@Anonymous wrote:
If you read my initial post that's exactly what I said we were doing...
" (0 is bad we've heard so leaving under $50 balance on one card)."
Balance reported is also different from balance carried. You can let a balance report and pay it off in full before the due date, avoiding interest. If you do not pay in full by the due date however, you are carrying a balance and paying interest. That seems to be what's happening with the $50. You could just pay it off, use the card, let it bill, pay in full before due date, repeat.
Matt - we are all here to help with Fico advise, info etc. Never feel the need to explain/defend your other life choices. 
@dragontears wrote:
It is common. You can BT from anyone's card to your card, companies don't care. (At least that has been my experience)
+1
I've yet to hear of any company needing anything other than the bank name, account number, and sometimes the address for who you want to pay off.
I've done it myself with relatives (for a debt shuffle) and from personal experience I can say that Wells Fargo, USAA, Capital One, NFCU, Discover, and BoA specifically don't ask for the name or owner of the account you're paying off. As long as you're within your credit line and have a BT 'offer' you're good to go. 
@UncleB wrote:
@dragontears wrote:
It is common. You can BT from anyone's card to your card, companies don't care. (At least that has been my experience)+1
I've yet to hear of any company needing anything other than the bank name, account number, and sometimes the address for who you want to pay off.
I've done it myself with relatives (for a debt shuffle) and from personal experience I can say that Wells Fargo, USAA, Capital One, NFCU, Discover, and BoA specifically don't ask for the name or owner of the account you're paying off. As long as you're within your credit line and have a BT 'offer' you're good to go.
Right. There is no real reason for them to care, unless it's one of their accounts or they believe that you are trying to circumvent cash advance costs. You are on the hook for the money however it was spent. Also, as soon as you get into names and addresses, you have to start worrying is John Smith the same as John D Smith III, and J. Donald Smith etc, as people don't always have exactly the same name on each account. Plus bank B probably isn't going to provide much verification info to Bank A about one of its accounts.