I did the same thing i believe you need at least 180 days not sure but i did the same thing and they just asked me how did i get that new cc debt and i told them the truth use to get lower interest rate, the trustee's helper who came to my business location and ask a few more questions one of which was about the cc issue nothing else was said or asked just tell them the truth no matter how short a time that it took place! Good Luck God Bless

