We don't have all the facts of the situation.
Maybe whats on the card is very recent.
Maybe the double payments was just 1 or 2 months.
myFICO is meant to learn and share.
Not to disparage OP or anyone else.
They come seeking advice.... and though your reply was meant with good intention.
When one reads it back it does not appear to be too kind.
We are all here to help one another ...
We are not suppose to sound like collections or bill collectors .. sometimes wonder if they are on here lol 
So we should try not to come off sounding like them.
We are here to help one another ..
Gawsh I did not know very much when I climbed on board and I still have much to learn.
But if anyone came at me directly as I read some of these threads I would shy from posting.
OP please understand that they are only trying to help.
They are doing it more on the stance of "Tough Love"
But please keep posting and inquiring .. and never let anyone stifle your voice if you are looking for help.
That being said .. I love you all. 
I agree bella! As for me, i was just voicing my humble opinion that if someone has to carry a balance im not gonna judge as often times i do as its needed. As im rebuilding i try to pay in full as ive learned here but what cha gonna do. Life is life. I think OP has a couple good options already. If he is carrying a balance on his Amex, well thats why we have revolving credit cards to have abilty to do so. In no way was i saying he was being penalized. Sorry @ lowkey, didnt mean that. I know that ccc often dont give clis if carrying high balance. My opinion was more on the revoving option and how Amex may love pif but as long as your paying your bills on time and at least the minimum, why else have a minimum, then its should be ok . You are complying with your cards. Obviously the OP is no troll, he/she seems to be doing something right to get a Discover with a $7500 sl . As stated before on this forum there are no stupid questions nor should one be condidered a troll for seeking advice. Good luck OP, you will find what works best for you and i hope it all works out well!
. As stated before on this forum there are no stupid questions nor should one be condidered a troll for seeking advice. Good luck OP, you will find what works best for you and i hope it all works out well!
Ok guys let's remember to be FSR in our responses please. We can give advice without being degrading or insulting. Thanks.
http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2800103#U2800103
@Anonymous wrote:Question looking for advice or what you would do . So I just got a new Discover card with a 7,500 limit with and 18 month 0 interest on balance transfers . So my question is ,I have a Capital One card with about 1,300/2150 in debt and a EX 2100/3000 debt . So i'm thinking to transfer the balances of those card to the one Discover ? What do you guys think to maximize my credit scores . TU 720 EX 718 EQ 739 That would leave two card zero balance and only one car carrying a balance . Debt to credit ratio would be lowered to an 10-15 % of cerdit usage . Currently at 40-43% of cerdit usage .
Note: I asked for a CL increase from AMEX and they denied it . Do to slow payment is what they said . But I pay double the amount due monthly .
Now that all is good in the myFICO hood.
Lets see .. by my math you have $3400/$5150 that equals 64% uti.
So if you go $3400/$12650 = 26.7% uti
But if you are saying you are currently at 40-43% now ... I am wondering if you have other trade lines not mentioned.
Either way you are really cutting your uti in less than 1/2 of what you currently have... so that in itself is exciting.
My best guestimation is that you may see a 20 pt give or take jump because the HP will offset it.
But you can't hold my feet to the fire on that... I am low balling my guess.
But what will be even more exciting is that you will be getting those totals on the Discover Card and paying that significantly.
Nice that you are have that 10k slated for something else... totally understandable.
You are just preparing for take off Aye? lol...
Your scores will be soaring in a month or two!
You already are higher than my own... but you are going to be entering the higher echelon of 700's before me.
I am so jelly - but I am wishing you the best success !
Go For It !