Originally Posted by
DrRodneyMcKay
three hits to my credit report
Actually, it's only one hit to each of the 3 credit bureaus which is very different. A future lender looking at any one of your credit reports will only see 1 hard pull.
Originally Posted by
DrRodneyMcKay
I pay on time but carry a balance
You didn't ask so forgive the momentary commentary, please consider focusing only on cards that offer 0% introductory APR until you can pay off the balances in full.