I have several credit cards, 2 of them have balances. Discover w/ $5,500 limit at $3,500 and Wells Fargo w/ $15,800 limit at $5,000. I am buying a house in october and want the highest credit score possible, which is currently at 696. I have $3,000 to make payments right now. Which card do you suggest I make a payment to and how much? I know it is good to stay below 10% usage, but on which card would this benefit me the most? The Discover card has a 0% for life rate and the Wells card has 4.9% till next year. Thank you!