pay off Discover or Citibank and then see if you can get a lifetime BT at a low rate for some of the MBNA debt.

Here's an example...

Let's say you pay off Citibank and they will give you 5% until the card is paid off on whatever debt you transfer. Let's say your limit on that card is $7,000. Pay off Citibank.

Then transfer $6500 (so you don't go over the limit with interest charges) from MBNA to Citibank.

Then you can focus on paying down MBNA.

If you cannot get a lifetime cap on the interest rate, pay off the card that has the lowest regular interest rate - between Citibank or Discover. I think that might be Discover. Then BT part of the MBNA balance to Discover.

-b-