I am new to the board and to the balance transfer process and could use some advice. I'm post BK 3 years now. I am unable to get any decent CC deals yet so my father-in-law has offered to help us out. He has great credit! He offered to apply for a few credit cards in his name and to add me as an AU then I can transfer all my balances to the new cards with better terms. We applied for citibank aa silver and was instantly approved for $6500@ prime + 9.9% then applied for aa gold and approved for $5000 @ prime + 9.9% (he can get better, right?) Here are our balances: Orchard Bank opened 5/00 400.00 balance 19% Orchard Bank opened 12/00 300.00 balance 19% FNBM opened 1/00 500.00 balance 19% Capital one opened 4/01 675.00 balance 19% Providian opened 3/01 2800.00 balance 21% Household bank opened 9/99 300.00 balance 18% Getsmart opened 6/01 400.00 balance 23% Providian opened 6/01 900.00 balance 23% Capital One opened 11/99 500.00 balance 18% Capital One K-mart opened 11/00 475.00 balance 18% Providian opened 11/99 2000.00 balance 16% I didn't know anything about negotiating better terms until I found this board a few nights ago. I am hoping for any advice on transferring the balances and maybe closing some of the accounts and improving our credit. We never carried a balance on any of the cards until several months ago. My wife had to have major foot surgery and was out of work for 3 months. She has been back to work for a month now, and we both make pretty decent money and should be able to pay them off in a few months.Are there any other good cards that offer a good BT rate we should look into? I would appreciate any advice. Thank you.