*Auto Loan, 7.5% rate, Opened Nov. 2000, $4300 beginning balance, recent balance $3300 *ICCU Visa, Opened 07/00, $300 limit (carry and pay off $50 balance each month) *Chase Plat, Opened 07/01, $8500 limit ($200 balance now, will carry for couple months at 2.99%) *Target Guest Card, Opened 07/01, $300 limit, Charge approx. $20 month and pay in full How am I doing? Are my ratios good or bad? Tips, etc. appreciated.