I have four credit cards with high interest rates and monthly and annual fees, the combined limit on all four cards is around $1700. I recently opend a revolving line of credit with BB&T for $2200 and another new credit card with them for $2500 with 0% for 6 months. So I was thinking about getting the other four cards closed and having the balances transfered to my new BB&T CC to get rid of all the fees. My question is will doing so hurt my fico score other than having a higher ratio of used to available credit? Im not really worried about that since I will be paying 90% of that debt down over the next 2 to 3 months. Im thinking that my score should rebound pretty fast once I pay that down unless there are some other factors about closing CC accounts that could hurt my score that I dont know about.