If you pay if off and follow all of the fine print rules, then yes.1300 x 1.03 = 1339 (your new bclanae after the transfer)You will have to be able to pay 112 dollars a month to pay it off in 12 months, you might want to pay more than that each month to make sure you pay it off early (like at least 122 a month).If you are concerned about your credit score, it will take a hit when you do the new card and the bclanae transfer. You might just want to set a pace for paying off the card you have right now. That is a low rate for a credit card and you could have that knocked out in no time.Go to bankrate.com and play with their credit card calculator. If you tell it how much you can pay a month, the interest rate, and the bclanae, it will tell you how long it takes to pay it down. Or you can pick how long you want it to take and it will give you a monthly payment. Shows you your options.