descisions decisions

powerbase

Hi,

It's coming to balance transfer time again. My situation is as follows. I have two cards barclaycard and capital one with very low limits (on purpose) that I use for buying online stuff and little bits and pieces and I automatically pay the balance in full each month (I got them when I was a student and just never upped the limits). I want to keep these just for those little bits and pieces.

I have an egg card with a limit in the 1000s which has nothing on it, it was my first balance transfer card (hanging around for anniversary offer just in case I want to, though with the fee I'm not so sure anymore).
I have an amazon card with another high limit with nothing on it (It was my second balance transfer)

I now have a HSBC card (my latest balance transfer) which my big balance is on at the minute.

The deal ends in about 7 weeks or so. Thing is I have the money to pay the bill it's in an easy access high interest account. I personally would stooze some more money by switching to the PO CC as my savings account is growing nicely with interest etc and I think screw over the CC companies as much as I can. I also believe if you don't use it you lose it

From reading here I'm a bit worried I have too much credit now. I use less than a third of my available credit and I have two cards with high limits and nothing on them (trying to cancel amazon card at the minute).

I have never missed a payment for anything, I have a really good credit rating. I don't want to apply for a card be turned down on something stupid like having too much credit already and then my credit rating take a turn.

Any suggestions? Advice please?