I need to tap into some of my cards' credit lines. I have some 4-5 offers of 0% for 14-18 months or so. The credit limits are from $5000 t0 $30000+. I need about $30000. I know that maxing out isn't a good idea becuase of credit utilization issues, but if I use one card, or two, I will save on their fees. Thoughts? Thanks.