Hey Maureen,Good going!How close are you to your limits on your Cap one, Citi, Sears & USAA cards? Might be worth BT'ing some of the money from FUSA to them, especially (or perhaps only) if you can get BT fees waived. I know USAA doesn't charge BT fees, but obviously in your situation it would be better if you could transfer as much as you can to the Cap One card.At the very least I would consider transfering some FUSA debt to USAA, since it definitely wouldn't cost you anything and the interest rate is lower.-z
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