Used to brag about having $22k in Krap Kards, the most recent semi-krap being Household amongst Cap1, DMB and Aspire. Recently I got a Digital Credit Union Visa for $5k at 11% (fixed) and today, Penfed CU for $10k at 9% (fixed). And I got a 3.59% auto loan to refinance my Chase 12% loan, saving about $1,100. This, of course, after I moved into my new condo and promised I'd stop after getting my mortgage...
