I got a $2k bt transfer check and if I use it to pay off 3 Visa credit cards, I will have a balance of $8200 on my 9k Providan Classic. Providian watches how you pay your other lenders. If I leave those lenders at ZERO by paying them off with the BT check, then it would seem to be a good strategy to let Providian see you keep other accounts clean. What are the board's thoughts on leaving 3 Visas at Zero and letting one Providian Visa carry debt? Will I take a hit with FICO if I bt this way?
