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I have two low $500 Cap 1 MCs. They're about a year old. I recently req for a CLI and one was a platinum MC that is now being changed over to a QS One.
I had a vet emergency so I maxed out one card and have a high balance on the other. Well, on the statement, I make sure it only shows 30% on one. But still not ideal, of course. This was before I had other cards to put the balance on or to spread throughout my cards.
I have about $6600 available cred and using $1300 max right now (again, that's because I charge, but pay off one so it only shows 30% util at most)
I have a hidden Paypal Credit line of 1500 (19.99% APR?) And 0% APR and no balance on Disc IT and Amex BCE. Should I consolidate and transfer my MCs to hidden credit line or just transfer to one of the creds with no APR? Because MCs are at 26.99% APR I believe. I'm making 2 separate payments on them. So wouldn't it make sense to consolidate on to ONE card that has no APR? Or not worth it? Which card/line?
I'm still a newbie to credit but I'm trying to learn what's best to build my credit. I've raised it by 100 within a year so I'm getting there!