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Focus on paying the debts first. No need to get more credit with HP's hits and AAoA decreases just to lower util. Not worth it.
OP, paying the Lowe’s down will save significant interest cost.
With three new cards on 0% Intro benefits, why the rush to apply for more? Wait at least until the 0% Intro periods have expired, because if you have a bunch of them, you won’t have he option later to take advantage of those intro benefits. 0% is a siren call that can be a problem when they all expire.
The wise financial decision would be to pay off your highest interest rate debts first.
@ OP I removed your post from CC application section as it was cross posting.. Please avoid this in the future as it is confusing to forum members and also against the TOS of the forum. Thanks for understanding and avoiding this in the future.'
--CC
myFICO Moderator
It's best not to apply for any new credit unless all of your cards are at 28.9% or below. If you're in a pinch and you want to roll the dice on an adequate limit for a balance transfer, you can probably get away with a card or two at 48.9%. However, terms might not be as good with the higher utilization.
In your case, put the $500 toward the Wells Fargo card. You'll be bringing your individual card utilization down from 81% to 61%. Individual card utilization is determined by the card with the highest utilization. In your case, you should see a score bump for dropping below 68.9%.
The next step would be to bring the AMEX and Wells Fargo cards below 48.9%. After that, bring them below 28.9%.
If you're responsible for paying the Lowe's card and its interest, consider delaying some of the scoring bumps in favor of saving money on interest.
Another consideration is whether you will clear the debts by the time the 0% periods expire. If so, then the util suggestions above are good. But if you won't be able to, put the money towards which ever card is going to have the higher rate at expiration