My wife called one of the creditors she has four (yes FOUR) credit cards with (for those familiar with the matrix these are Cards 4, 5, 6 and 12) and they offered her an opportunity to take all four balances into one loan (unsecured) with a $30,000 limit at 5.99 APR for the life of the loan. She also has the ability to transfer other balances and get the same deal up to her limit which is GREAT because that would cut 4 cards into 1 and 2 of the highest APR's would be history! She hasn't been approved but she has a perfect credit history and all of her scores are in the 690's (how ironic that she's never missed a payment in 20+ years yet her score is below 700...but it's all utilization) so we're confident in her getting approved. We'll see though. Card 10 and Card 8 may also find a way to this loan so we'd be getting rid of 6 card payments and be able to concentrate on attacking one big loan. It would really shrink the matrix down!

Updated matrix:
Card 1/$12097/$20000/14.23
Card 2/$15215/$31000/12.24
Card 3/$8215/$12500/12.24
Card 4/$6211/$9000/18.24
Card 5/$6151/$9000/18.24
Card 6/$6143/$8000/0.00*
Card 7/$5903/$10000/4.99**
Card 8/$3821/$10000/0.00***
Card 9/$1971/$7250/17.24
Card 10/$3464/$4400/16.99
Card 11/$2815/$3900/13.99
Card 12/$2100/$2500/0.00****
Card 13/$4075/$4500/5.82

*Teaser rate ends 4/1/07 (up to 13.99)
**Balance Transfer rate
***Teaser rate ends 8/22/07 (up to 24)
****Teaser rate ends 5/1/07 (up to 13.99)

$81008-$78181=$2827 off since day 1.


Looking ahead to next week (Weds = Payday!) we only have one card actually due to be paid before the following pay period (Card 3 with a min payment of $161) so on the debt front it's a light pay period. We'll see what we have cookin' after the ebay cash comes in.