All:

I had a bad history back in 2003, when I was in college and had to charge a full year of tuition and other stuff on my credit card... I was able to get a 2% transfer for the life... I want to try and cut that in half and go with like a 0% for 18 months to pay it off... ~13k

A few questions I have... If I do say 12 months 0% apr with a BT and pay it off and then cancel the card does that effect my credit score ?

Whats the best way to handle this ?

My credit score is about 760 and I dont want to effect it.

Thanks guys