30k is enough if you don't ebay a lot.
reduce the balance of each account to below 50%
Yes. Wait a few months.
呢?
Too many cards ( >5) is a bad thing. If card number <=5, you can keep it.
Why not cancel those cards with low limit or bad name?
1. Pay bill on time.
2. The ratio of balance to limit should better be below 50%
3. The of CC <=5.
4. Refrain youself from applying for new cards.
