How much do I need to worry & WWYD?

[Autumnslight]

I've been working on improving my credit, and I think I have a good handle on what I need to do. At the moment, my scores have dropped quite a bit, due to inquiries and new accounts. But, I haven't had a late payment or any other new negative info in over a year, and I should be in position for my score to rise from here.

I'm worried that some of my more major cards (Discover, Chase, HSBC/Cap One) might soft pull me before my scores recover, and decide to decrease my limits or close my acounts, thereby hurting my score further. I had this happen to me a couple of years ago, which is probably why I'm concerned.

I've been paying more than minimums, but on a couple of cards, my utilization is still about 79%. I made a concerted effort to definitely get everything under 80% to start with, and should continue to go down from there. My scores below reflect two accounts reporting with 91-95% utilization, so I hope they will improve when they update. My overall utilization in the below scores is ~58%, and will be ~53% after everything updates.

Should I be very concerned about possible AA or CLDs?

Also, I have a balance transfer opportunity which would get me 0% for 12 months, and would save me a little bit of interest (under $300 in a year). If I did it, the transfer card would be maxed. I could use it to drop all of my other cards under 70%, or to take three of them to zero. Should I use the transfer? If so, should I drop everything else under 70%, or zero out three of them?

[Crashem]

Can you please list cards, balances, and interest rates?  Also, what is the 0 bt last for and CL on it?

Finally how many other accounts with balances do you have outside of listed accounts such as mortgage and auto loans other credit cards etc.

[Autumnslight]

The balance transfer opportunity is on the Discover card, and it would be good for 12 months, with a 3% fee. I could transfer about $1,400, and I'd save around $250 in total over the course of a year. Although $250 is $250, I'm not sure it's worth the hassle if it'll hurt my score a lot.

Here are my credit card accounts as of today that are open (with or without a balance) and closed (only ones with a balance).

Account	Status	Balance	Limit	Interest Rate
HSBC/Cap One	Open	5,062	6,405	19.99%
Chase	Open	2,909	3,800	0.00%
First Niagara	Open	1,690	2,800	20.74%
Discover	Open	1,659	3,200	16.24%
Best Buy/Cap One	Open	1,073	1,500	0.00%
Chase	Open	510	3,000	21.99%
GECRB/WalMart	Open	169	400	22.90%
GERB/Care Credit	Open	112	3,000	0.00%
US Bank	Open	70	1,000	21.99%
Citi	Closed	1,782	2,850	15.99%
Webbank/DFS	Closed	898	4,000	18.99%

I also have on my reports:

2 mortgages

2 car loans

3 student loans

1 personal installment loan

Average age of accounts is 7 years 0 months, after all new accounts.