<prompt> Human: Hello PF, big fan. My wife and I are taking a vacation in April - and we ended up paying for it all on Decembers CC bill - so now that CC has a pretty large balance due in early February. 3000.I can pay the bill now we always pay our CC in full - OR I can transfer the balance to my Discover - which offers 0 apr for 12 months on balance transfers with a 3 transfer fee. So wed pay 90...and we have to pay a minimum of 97 a month towards the balance.I guess I just cant get around the thought that I can keep more money in my bank account now, like I can spend the 90 now and pay 3000 off over 12 months...or I can pay 3000 now and SAVE the 90... - were financially OK, and my wife is starting as an attending in July which means a huge increase in pay so were confident in our financial future - again we dont need to do this. We can pay the bill just fine.I know that the smart thing to do is to always just pay your CC off in full - but if all Im going to be out is 90...I dont know. I dont want to necessarily say that Im not super worried about the 90 - it just seems so insignificant compared to the 3K.I budget with YNAB so wed absolutely pay it off in time. Im just wondering if there are any other downsides Im not thinking of here - other than the transfer fee. I read through a bunch of balance transfer threads and hadnt really seen balance transfers discussed in this way. Thanks.Edit: Thanks for all the comments! I figured rpf would balk at spending 90. But I wonder if rPF would recommend doing this even if it were free.  <response>: Pay it in full if you have the funds to do so. Just get it out of the way and move on. 