Thanks ladies. We only have one credit card and the limit is a few grand so it isn't much at all.

I am definitely going to negotiate rates/perks/benefits to ensure we get the best deal we can this time even if it means moving all of our accounts. We got a really crappy deal last time because we just didn't know any better.

thanks for all the great tips/advice. I must admit I still find it really confusing but I'm getting a better understand, I think anyways, LOL!!