Brammy,
Well it seems wonders never cease!! Today I received a 1.99% offer in the mail from Capital One that is good until April, 2008. I have a $3500.00 Mastercard CL with them. I paid off 3 accounts last month and probably could use this 1.99% to lower some utilzations on my 3 Amex cards. I am down to below 40% on utils and working on 30% now. I am putting all of my bills on automatic payments. I plan not to use but one card to PIF each month.
If you don't mind LOL, I think I too will follow your lead and use this 1.99% BT to my advantage and put a dent in my wallet also!

Thanks for sharing your valuable insight with me/us.
