Ok, bad news and good news…. bad news is: I couldn’t consolidate them all onto one card because two of them are the same type and they won’t transfer the balance from one to another if it’s already the same company. :( But, we transfered the Sears card balance and so the good news is that I can go to one website to make the two payments and now we make two payments instead of three. That’s progress I guess. Oh, and they charge you 3% to transfer the balance. What a crock! Oh well. Once we’re done with these- they are officially for only true EMERGENCIES.