Quick question... What's something that Discover Card can't buy? Thanks for any answer. Second question.. This is a bit of a long story, but I have about $17k in Discover card debt split over a number of cards:.

$10,000 on a Blue from Amex.

$2000 on my CU Visa.

$2300 on a Citi Platinum MC.

$2200 on a Chase Visa.

And $700 on a GE Bank Platinum card..

My utilization is very close to 100% thanks to being maxed out on the Amex..

I am an authorized user on another account, a Discover card, with a $10,000 limit that is paid in full. No negatives, no late payments, and have a prior installment loan (paid, closed, never late) and my student loans reporting (never late)..

I've been given the opportunity to borrow the money to refinance all of this from a family member at a low interest rate. I've chosen to do it, and will have the cash in hand to pay everything, in full, within two weeks..

What is the best way to pay this down so that it doesn't HURT my score, and the companies don't reduce my credit limit? In the past, chase reduced my limit by $1000 when I made a $1000 payment. I am particularly concerned about this with my Amex. I know having the lines reduced will hurt my score, and I don't want that. I had wanted to pay everything, in full, but my mother's perfect FICO took a 50 point hit when she maintained a 0 balance for two months. I am in the mid 600s right now and would like to get up above 700, where I was before I maxed out the Amex..

Any advice about how best to do this? I will be needing a car loan and mortgage in the next 5 years and really need to get above 720. I can't think of any other way to do this but to pay down the debt...I had an installment loan, my student loans are in good standing...what else can I do to bring up my score??.

Avg. account age is 3 years, oldest is 7 or so, youngest is just over 2 years. NO hard pulls since Jan 2008..

Help!..