Happy dancing in my corner of the garden with NFCU hearing my plea for the 0%BT!  So far, I've transferred 2 balances, but will tweak it more over the next few months to maximize my usage/rewards.  My score is slowly climbing as the smaller cards I had balances on have been paid off, so it will be interesting to see what happens when the BTs hit.  I'm also anxious for my mortgage to start reporting to see if that gives me a boost.

Still looking to refi my car soon, but wanting to see if I can get back to 700-land first.  I'd also like to see about a CLI on Lowe's (3rd statement will cut this month) as I need fencing materials and would like the 5% discount, then BT to NFCU.