<prompt> Human: Hey all, using a throwaway. It really feels like last year I blacked out financially for a few months. Or at least made some wrong financial decisions. Long story short I now find myself with two credit cards that are going to be ending their year of 0 APR around April. One card has around a 15k limit with 5.5k 36 usage on and the other has 2.4k with a 3k limit 80 usage. I also have a 3rd card with a 6k limit that I pay to zero if I ever use for work reimbursements etc.Im not sure why but my credit score has been staying pretty well in the mid 700s and is not effected by over utilization. Is it because I have a total of 24k worth of credit with only 8k being used?I want to go the Dave Ramsey method and really start attacking the debt. Since Im trying to avoid more interest payments I did sign up for a 21 month 0 APR card, and to my dismay they gave me a 7k limit. I read around here you should get a card a couple months before if you are transferring to make sure the money gets out in time and you dont get hit with all the back APR. I think with tax returns and some side freelance gigs I should be able to pay off the 2.4k on the one card before April. Should I be okay to transfer the 5.5k on the 7k new card for 21 months of 0 APR and work on paying off quickly as possible or would I get hit with over utilization? Even if I did and my credit went down for a while, I dont plan on making any large purchases for a long time and wouldnt that be better than keeping the 5.5k where it is and getting hit with extra interest every month?Thanks in advance for any help!  <response>: Interest. Good credit scores stem from sound finances, not the other way around. 