u/Blizztastic

I posted here a few months back discussing what level I should be for the final boss and a lot of you were saying I'm about 5-15 levels under from your experiences (my average party level is 30). I've not had a lot of time recently so just now getting into grinding. Where should I grind levels the fastest, I've seen on other posts the La Bouvre region is the best but I think monsters only spawn in the present after the final boss. I'm just at a loss where to grind, I thought about doing it in the cave / area before the final boss but it's rather annoying waiting for monsters to spawn back in and also running between there and the shrine every so often that I felt I wasn't maximising my exp gains. Any help would be appreciated!

So I wanted to transfer my credit card balance to a 0% balance transfer card to remove the interest whilst I'm sorting some finances out and it would give me time to get everything in order before I pay it off. I checked the credit score apps and got recommended a card with Lloyds. Now the fault here on my part is my current credit card is within the same banking group so the transfer failed (I didn't know this was a thing and should've looked into it more)

Here's a little of my situation -

I have £2k in credit card debt that I could theoretically pay off in full just now however I'm putting money aside for a new car, hence why I was wanting to transfer it to a 0% to avoid interest whilst I increase my savings some more and lower the debt until I'm ready to pay it off in full within a few months

With combining the two credit limits of the cards (10k original and 7.5k new) it would total £17500. Credit karma has been suggesting to take my limit over 15k for a while now.

I've not opened any other accounts in the last 6 months.

This will be my only hard search in the last two years.

I have been looking at taking out a loan or new finance on a car soon.

Is it worth keeping the account open or would I contact lloyds to cancel it? I know I have 14 days by law to leave the contract however I'm unsure how it'll impact my credit score as I know the hard search would stay but is it worth keeping the hard search but not the credit or would it be better to just keep the account and have it help towards keeping the utilisation rate low.