Pay off, credit limit increase, or intrest rate reduction first?

Hello all, this is my first post.I have three credit cards with a total balance of $8500 and a total credit limit of $10,000. I have the money to pay off all these cards immediately. There are three things I want to do with these cards, but I'm not sure which order to do them in. Those three things are:1. Request lower interest rate.2. Request credit limit increase.3. Pay off all balances.My plans were to call them and do them in that order (1, 2, then 3). (I am starting another business in about one year, which is why I'm going to request a credit limit increase.)I was going to call each CC and tell them that I have offers for lower interest rate cards and ask them what can they do with my interest rate to keep me from transferring my balance.Next, I was going to request a credit limit increase using this same negotiation leverage.Finally, after all that was (hopefully) accomplished, I was going to pay them all off.I want to get your advice before I do anything, though. What is the best way for me to go about this to best accomplish all these goals?Thanks in advance!

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Pay them all off and once you know they are reporting a zero balance , call and ask for lower apr and credit limit increase at the same time .

people with high utility have little to hold over a CC's head... pay them off (or down) before asking.

Interesting. I would have thought that by having a balance I would have more leverage since a higher balance yields much more in interest payments than does a zero balance.

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