Before you do this transfer, i would contact the ring store and find out if they have a prepayment penelty on the current plan you are under. i would not put it past them especially if they are currently charging you 24%. I would also verify if they will accept a credti card to payoff the balance. I know the store would have accepted a credit card for the purchase but this is no longer a purchase it is now paying off of a loan. they may charge the credit card as a cash advance, then you will earn no AA miles and get no credit towards the 3000 spend and will be charged a high interest rate from citi.
sometimes digging out of a hole can casue you to be in a bigger hole