No. of Recommendations: 3
AJ, credit karma states that if I pay off my balances, only, no other changes, that my score will go up 21 points. That is just a predictor, of course, but it's already what I plan to do, so that will be helpful. If I were ONLY to open a new card with a limit of $500 it predicts an increase of 29 points. Weird. And if I do BOTH, pay off all balances and open a new card with a limit of $500, it predicts an increase of 29 points.

So, i think for now, I will just pay off all the balances, diligently only use 15% or less on each card, wait 4 months or so, and revisit the issue, meanwhile just concentrating on saving money. Then I will come back and probably have a lot more questions! LOL. I'd like to eventually get to where I have just two cards, and have no annual fee and low rates, and perhaps some kind of rewards/points for something I would actually use...

Thanks to everyone who piped up about this. I'm sure it seems boring and redundant for those more savvy than I, so I doubly appreciate the time and effort!
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