Try keeping credit card balance below 50% of availale credit.
Credit score companies love when balances on accounts are below 50% of available credit limit. If you try to oblige that love of theirs you will be richly rewarded with higher credit score. Higher score means better deal on the next credit card, loan or mortgage.
On the other hand, if you got 0% to 6% APR on a new credit card or balance transfer offer from existing card, of course fill this thing up with balances transferred from higher APR cards! Just make sure to take into consideration balance transfer fee and don't go over the limit.
Also remember, if you are getting offer for 4% APR for 6 months and balance fee is 3% of amount transferred, this is an equivalent of 10% APR for these 6 months.
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