Help me with my next move...

[UpMyScore26]

I've been lurking for awhile now and have been amazed at the amount of info on here. I have a few questions and would like any/all advice. Here's the breakdown :

4 cc's
1) Walmart - 850/1900
2) midflorida cu- 1500/2300
3) cap one- 80/300( first card ever)
4) chase freedom- 60/2500

I have have no other credit at the moment, 1 collection on my report( pay for deletion letter?) and 4 hard inqs.

My questions:
- should I do a bt from the credit union card onto chase freedom?( still 0% apr)
- what should I do with cap one card? Very low limit and cap one already denied cl. I use it rarely.
- my utilization is around 21% and before I pay down a good chunk of my cu card, I wanted to know if I can do a bt to the freedom and get the points? Is that possible?
I know I have more questions I just can't think of them lol. I recently got my chase freedom limit increased from 800 to 2500( initially was denied but with the help of this forum , I got it done!! Thanks in advance for any help!

[user5387]

I calculated your utilization at around 36%.

I don't think you can get points for doing a BT, but I could be wrong.  It would be worth checking the T & C on the Freedom.

I think I'd try to clear out two of your cards, and have them report $0.  Especially the Cap One.

As far as BTing to the Freeom, you could also move the Cap One and Walmart balances.  I don't know how much more time your Freedom has the 0% offer.

I'd also try to get the collection cleared up in some way.

Another approach would be to talk to your CU about a consolidation loan, so that you can clear out all the CC balances.

[UpMyScore26]

Thank you very much! Yes I did mess up on the utl. The 0% offer is up in 10/14.

Some great advice here!