I applied to my credit union for a debt consolidation loan at 12.00%. I was approved for $7k. Soo...here's the plan.... I have Discover Plat with 1.9% balance transfer until 9/1. I've already transferred my Providian MC balance (with no grace period) and my Retailers National Bank accounts. I still have to transfer my Circuit City (when the bill comes). I'm on a no interest/no payments thing with Sears that expires on 8/30. I was going to transfer that to Discover but I'll transfer that directly to my credit union account in August (since I won't be able to take advantage of the 1.9 with Discover for long if at all). The middle of August, I'll transfer my Discover Plat balance to my new consolidation loan (since the interest rate on my Discover Plat will be higher that 12%). It's a loan with a fixed payment so I may as well take advance of the full amount. I have an Associates (my oldest card) that they closed (damn them) more than a year ago. I've been on-time with payments, etc. Since I have NO negotiation power at ALL with them, I'll pay them off and see if they'll re-open my account. I just want to keep them since it's the oldest. My other cards include CapOne (that I just got an increase on) and my Providian Visa (at 16.9% APR). I'll pay them down and use them sparingly. This is REALLY going good for me!