You have made a big mistake by closing your 2 other credit cards!Why?Because you have much less availiable credit,and this causes big problems with any creditor.If anyones is over 70% of total availiable credit used your creditor in return will raise your interest rates up because you look overextended too them!Now you are going to have trouble for the time being if you only have nextcard,and no other accounts availiable to transfer a balance with.If you have just closed the 2 cards recently you would want to apply for another account right away before your credit file shows the 2 accounts closed,otherwise you are going to have a tuff time getting a new card until you pay your balance down to 50% of total availiable credit used.You may want to reopen the 2 cards that you have just closed just to keep your debt to credit limit ratio low.Others out there will offer their advice to on this matter.