well i have about 4 credit cards and all of them have fantastic records in terms of paymentsand believe me its time to strike back and beat them at their own game by using thier own tool against them ’here ,s how :

1) use thier balance transfer offer of 0% interest for 90 days and transfer your existing card balance against another card and after 90 days pay off with the other card using the same offer , almost all backs have the 90 day offer

2) do not use the card from which you have taken the 9o day balance transfer since all your retail purchases will attract finance charges

3) high purchases can be done on one card adn the amount can be rotated for a period of 1 to 2 years if he card company keeps offerring you 90 day 0% baalance transfer of course you will have to pay the min amy due every month

4) always clear the old balance transfer first before taking the second balance transfer on the same card

5)