Not to be a wet blanket, but you really need to accept you are going to have to open new accounts if you need to avoid interest. DTI is going to be more important than new accounts when pusuiing a new mortgage. Do not worry, lower for longer and MMT are going to make refinancing a breeze. After all we only have 12 years left, right? 
This one is beyond me.
If NFCU is an option, they give good limits and have BT offers.
Me, I wouldn't consider a mortgage with $25K in revolving debt.
$25K in revolving debt would have me curled in a ball on the floor sucking my thumb.
