I currently have a CFU and am looking to apply for a CSR. I've been carrying a balance on the CFU (~3k) because I have a 0% APR through mid-next year. I've been making the minimum payment or more since I opened the card and it's in good standing. Will having this balance on this Chase card hurt my chances at getting the CSR? I also have a similar, 0% APR balance on a Cap One card. I could pay it off the CFU in full in a month or so, but I want the 100k sign-up bonus. Is there any wisdom on when folks think that will end (other than eventually)?