<prompt> Human: I have two CC with 7K limits, one thru my credit union has a balance of 4200, the other AMEX has a balance of 2600. My credit union has a promotion going on where I can do 0 fee balance transfers and no hidden fees, plus the APR rate is almost half. Im tempted to transfer everything out of my AMEX onto my credit union CC, but credit report wise wouldnt it look worse to have one credit card at nearly 100 utilized instead of 6040 utilization?  <response>: Dont worry about your credit. Worry about throwing away as little money as possible. 