Wells Fargo 21.50%! $4,400 balance and limit
SDCCU 12.90% $8,353.14 balance, $8,500 limit
Citi/Shell 16.24% $4,942.76 balance, $5,000 limit
I plan on paying $3,100 on the Wells Fargo to get it below 30% now, and then soon I should be able to put another $3,500 on the Citi/Shell to get it below 30%. Then I plan on converting my HELOC to a fixed 2nd mortgage.
At that point I should have 3 cards below 30% and I can go to work on the SDCCU. The problem is, I need to spend some additional money on home repairs - should I open another credit line to keep the overall usage under 30%?