I went to the credit union today and they won't give me a line of credit. It has to be a closed end loan. AND, instead of the 7k I asked for, they bumped it down to 5.5k. How my question is...should I do this? They want to control to whom the check is being mailed to. It pisses me off, but whatever because I was going to use it to pay off credit cards anyhow. But the thing is, if I don't use the 5.5k now, they'll have to re-pull my CR and "semi" go through the process again. I wanted to put my Sears in it, but I'm not ready yet. Sears is on 0% APR, until 9/1. They will not close the accounts. I have 1.9% APR on Discover until 9/1. I have an Associates credit card that is closed, that I wanted to get rid of. I've already transferred my Providian MC to my Discover. Should I keep the loan, put what I have left into it and deal with Discover's 2-cycle billing? I hate this..I had it all planned and they are messing me up!