Big picture
Chase card 10k balance, 2% for 5 yrs
Amex card 8k balance - just got 0% for 6 mo's and 9.9% for 6 mos
Elan Visa 9.5k balance - 9.9% fixed
Have possibility of getting a Capital One card - 0% for 12 mos.
Can also take 4k out of IRA at no penalty (72t rule)
Sooooo, who to pay first? I want to keep the Elan card alive but they keep dropping my limit after each payment because of settlements with the other two. That leaves me w/no emergency cash, in case of transmission blowout or major problem with house. Elan will raise the limit (it was 12.7k) once the other cards are paid off.