asianautica: Thank you for the suggestions & clarifications, they are much appreciated. I certainly want to cut back the interest paid, either by paying it off now or through a creative balance transfer as you suggest. This option has the benefit of allowing me to still invest the payoff amount, but need only to show a positive return to come out ahead.
I’m confused on how additional cards would make my credit history “longer”. Are they additive, i.e. one card for two years = two card for one year, or some variation there of? If so, additional cards make sense to play catch-up, but again this is counter intuitive to me.
