wait til the cc are paid off. I'm about 90 % paid off and it feels great! There are so many things I want to buy, but I'm so happy that my good credit let me buy my V and open up more options for the future - a house? someday... You'll be able to lower your V soon... just give it at least 3 pay cycles and think of how much you've paid off and feel good about not having to pay those credit card companies as much money every month...evil (but sometimes necessary) bastards!