Timothy knows this gives me a bizarre thrill... and he supports my habit. 
As he indicated, the plan is different if you need to maximize your score now in anticipation of new credit. Otherwise, proceed with just saving money. This is only going to take a few months anyway.
As he indicated, the plan is different if you need to maximize your score now in anticipation of new credit. Otherwise, proceed with just saving money. This is only going to take a few months anyway.In my opinion you have too many cards, but that doesn't necessarily mean close them. What it does mean for now is that as each one with an AF comes up (or even before), call the creditor and renegotiate the whole account. Ask them to remove (or waive) the AF, lower your rate, increase credit where there will be no charge or hard INQ, add perks etc. Matter of fact, when you have a day off... it's a great idea to go down the list and do that anyway. You are sure to come away with some good stuff. If a card with an AF won't budge, I personally would cancel it even if it is your oldest. You might not choose... but once your UTI is in order that will help you decide since you will see a more accurate FICO.
So, with 6k now and 3k each month after, this is cake. Again, if you can call each creditor now, that might adjust things for even more savings. Also call after you've PIF'd as you might get even more love from them. The below is just a gameplan and does not take minimum payments (and new monthly charges) into consideration... so you might not be able to pay the bottom entry each month etc... just float it over to the next.
Also, congrats on the business... it seems to be flourishing! Check the Business 101 thread, you might consider seperating your personal credit.
January-$6000
PIF:
Providian - Limit - $1500 - Balance - $1115 - Interest - 27.9%
Orchard Bank - Limit - $800 - Balance - $560 - Interest - 23.9% - AF - $60
Macy's(AU on husbands) - Limit - $950 - Balance - $670 - Interest - 22.something
Hooter's - Limit - $3000 - Balance - $2250 - Interest - 19.something
Cap One - Limit - $750 - Balance - $545 - Interest - 16.89% - AF - $30 or $40 not sure
WaMu(AU on husbands) - Limit - $500 - Balance - $360 - Interest - not sure mid teens
Cap One - Limit - $500 - Balance - $345 - Interest - 12.99% - AF - $20
Partial:
Orchard Bank - Limit - $600 - Balance - $420 - Interest - 12.74% *pay $145
February-$3000
PIF:
Orchard Bank - Limit - $600 - Balance - $275 - Interest - 12.74%
Juniper - Limit - $1000 - Balance - $800 - Interest - 11.99%
Dell - Limit $2500 - Balance - $1100 - Interest - 0% 'til March (PIF in February)
Partial:
Furniture Store - Limit - $6300 - Balance - $4885 - Interest - 0% 'til July then I don't know but high *pay $825
March-$3000
Partial:
Furniture Store - Limit - $6300 - Balance - $4060 - Interest - 0% 'til July then I don't know but high *pay $3000
April: $3000
PIF:
Furniture Store - Limit - $6300 - Balance - $1060 - Interest - 0% 'til July then I don't know but high
Keep these cards clean unless you must use them for savings perks or need to keep them reporting:
Macy's - Limit - $100 - Balance - $0 - Interest - 22.something i think
Kay Jeweler's - Limit - $800 - Balance - $0 - Interest - 0% for 3 or 12 months then high
Best Buy - Limit - $750 - Balance - $0 - Interest - 0% for I think 3 or 6 months then high
Target - Limit - $500 - Balance - $0 - Interest - not sure but high, 20's for sure
Juniper - Limit - $500 - Balance - $0 - Interest - 12.24%
Ahh an odd sense of peace... thanks Timothy.... 
Message Edited by SmartCookie on 01-14-2008 02:03 PM
looks like you got your help...nothing i would add to their suggestions... just wanted to chime in and say this is a good example of what someone needs to do with their cc situations....i'm starting to become addicted to this place....lol...
