I have some good lenders - BofA, Wells Fargo, Chase, and Citibank. I have some poor lenders - Capital One, Sears and Washington Mutual Finance. [BTW, "poor" means high APR] Should I pay down the good lenders first - to get on their good side and get CL increases (maybe)? Or, Should I pay down my poor lenders first and get rid of them altogether before improving on my existing good accounts? Any and all responses appreciated!