Honestly, one may be overlooking something here.
I don’t relish the idea of bearing bad news but I notice that BT offers are not staying at 0% these days. Now, I know I don’t know everyone’s offers but I think banks and such are relishing the idea of the economic upswing (for many, not all) and they are glad to go back to offering “loans”, using credit card products at higher teaser rates with that inevitable hope that at the end of the term, consumers will pay the “regular” rates again. My point: do you even know if at the end of 9 months, there will be an attractive BT offer available to you? And, BTW, are the other cards you have presently considering using in this distribution plan, offering you good BT rates, ie, 0%?
I think you have a really good question. Though there may be confidence that one can pay down the current balance to $9K, I cannot agree that there will be another 0% teaser rate waiting. The downside is those annoying BT fees used to start distributing the current balance around to get the score down. And, I dislike being a downer but would you happen to have a few funds laying around in an emergency fund? No lecture, for sure.
If you’re a numbers kind of person, it might be that sitting down with a pencil and a legal pad might be useful to see the numbers you are trying to work with on paper and see if the motivation is there long term to move that balance around 2-3 cards now, because it will be quite a bit to keep up with for nine months. It’s going to take discipline BUT again the risk is will the 0% offer be “there” in nine months to capture what remains.