Ok I am wondering how should I go about this I have a capital one quicksilver with 1800 and I'm using 1200 I have buy power credit card using 311 out of 750 and navy federal with 14000 and I'm using 12000 I was paying 136 to qs and 100 to buy power card and 260 a month minimum do for navy fed I was wondering should I transfer the balance to navy fed and pay $500 to $1000 a month on the bill so I can have one bill to pay which would effect me better?