Hey guys, I'm revisiting the issue of mine known as credit. It's not that great. I will definitely say that granted, my credit is far better than some people... and my debt is not horrible. Unfortunately having bad credit, or in my case not so good credit is going to be hurting things in the future. I'm trying to tackle this situation once and for all. I'm trying to apply whatever money I can to my credit cards when I can, however it seems that when I attempt to tackle one, somehow the other 2 take a hit and it sets me back two more steps. Here's what I'm working with: Card 1: Capital One, $385 Balance, $400 Limit, 29.something% interest. Card 2: First Permier, $246 Balance, $250 Limit, 19% interest (I believe) Card 3: Ikea, $588 Balance, $300 limit, 29.something% interest. I can't confirm the interest rates because I'm doing this online and the online websites don't have that much information... I believe my credit score is in the area of low to mid 500's. I can't confirm that. I don't want to keep running credit reports, because I know the more that are run, the worse my credit appears. My friend gave me the idea that if I can somehow get a credit card with $1000 or so balance, that I can transfer my balances to a lower interest rate, and would wind up having to fork out less money. It's a great idea. I know a lot of you guys are going to question whether I'm responsible enough not to use it other than for that purpose, or that it might hurt me further, but to tell you the truth I am responsible enough for that to work. The problem though is that I don't know of any credit cards that I have a good shot of getting something like that, that has 0% on balance transfers for what we'll say is 1 year. I could probably somehow score another credit card, but it'll be a real low limit like my others of about $300 I think. I don't want to randomly apply for cards, because again the credit checks will possibly hurt my credit. I'm trying to get a 2nd job, and as I said that I've been trying to put all of the money possible on these credit cards... but unfortunately things happen and I haven't been able to knock any others out. Another question, if somehow I can't do this, what credit should I take out first? The low one, or go after the high one? Would I be ok sending the minimum to two cards for awhile, and whatever I can to the other? How do you judge what should be sent to what card? Thanks!