Ah I see. Thanks for the tip. I talked to a lender and they said with the job I currently I have I need two years work history with this company since I "switched industries" so I can't apply for a mortgage loan until November 2013. That means I have one whole year to pay everything off but I actually will pay off every bit of it this month when I get paid two weeks from now. Now all I have to do is maintain the 0 balances and keep 1 or 2 of them at < 9% CL.
