A.C. system went out, and opted to have it replaced, 25 years old and on its last leg . It was time, the old boy put in years of valiant effort.

Was on a time crunch, and went with a financing option with the company. 6 months 0%

interest.

Curiosity killed the cat and found a Credit Card with BOA with 0% interest for 18 months, but has a 3% transfer fee.

Balance is $5,500.

I'm overthinking this, like pretty much everything in life. Just thinking out loud, whether to

**Option 1**

Stick with the original plan and pay it off in ~~6~~ 5 months.

$0 transfer fee

1,104 monthly payment for 5 months

**Option 2**

Transfer half of it to the 18 month 0%, and eat the fee.

$90 transfer fee (yuck)

$600 month for 5 months to card 1

$177 month for 17 months to card 2

**Option 3**

Transfer the entire balance

$165 transfer fee (yuck)

$325 month for 17 months to card 2

**Option 4**

Just pay the damn thing off now, and be done with it!