@RSX wrote:If you want to continue with your braces plan, then use $1500 of the bonus for your downpaymwnt
then Put $250 on each CC
This is approximately what I would do, if the timeliness of braces were important, and given the facts at hand. Geeting both UTL under 89% would be of some marginal benefit. But again, at your scores, Finances befor FICO. That is a debt load that needs to be addressed. The answer is not more debt.
@Remedios wrote:I would not be applying for anything with two maxed out cards, regardless of how many are at $0.00
Is there any way you can drop the utilization on those cards to a more reasonable level?
You already have Amex, so if you have preapproval, you can try, but I would not with maxed cards
Your limit on the existing Amex would not cover the braces, and I really do not see them going with higher SL while you have two cards at 90% utilization.
+100
OP, here's my suggestion. Since you have $3,500 in savings, I suggest using that money to start paying down those two maxed out cards. As Remedios said, I do not see them approving a 0% interest card at a SL you will need. And, even if they did, then you would have 3 maxed out cards.
So, I suggest putting the braces on the back burner until you can get both of those cards to less than 28.9% UT.
EDIT: Oh a bonus. 
Yep, throw that at the card that has the highest interest.
@Anonymous wrote:
Thank you everyone! Great news. Just called my insurance and the dental office still needs the 1500 down payment but I get it reimbursed through my husbands employer up to $2000!! Then I will cash flow my monthly payments! No need for credit after all! You guys are awesome!
Sometimes miracles do happen.