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ladylpk74 wrote:I currently have two credit cards. One is a Discover with a $17k limit. The other is a Chase with a $25k limit. The Discover currently has a zero balance because six months ago I transferred the balance to the Chase card. The Chase currently has a $20k balance, $10k at a 3.99 Apr until paid off and $10k at my normal 10.49 Apr. My entire payment goes towards the 3.99 Apr every month which leaves the 10.49 Apr balance untouched. I want to request a credit limit increase from Discover so that I can transfer the entire amount over to that card with a 3.99 Apr (until paid off) for the entire amount instead of $10k. My question is how will this affect my score. I plan on applying for a mortgage soon and don't want to mess things up. Currently my scores are 782, 782, and 776. Thanks for any help.