Due to my present employment and legal status I recently applied for and received 3 new cards (Discover it, Chase freedom and Barcalays. I transferred the balances from my 2 maxed out Capital One cards, 0% apr on the Chase acct. for 18 mos. and 10.99 on Discover for 6 mos.. I have not activated the Barcalays acct. due to the fact that I don't and probably will not be needing access to the funds. However I'm wondering if my "overall" debt to equity ratio will be improved if I do so or is debt to equity only detemined on a "card by card" basis? My Fico score is around 670.
