Okay so my mom has 3 credit cards right now. One only has a $1000 balance (and a huge credit limit of $20K plus), a Lowes store card and a $100 Walmart card. My aunt suggested that she move all debt to one card so she has only one monthly payment. I advised her against it because she just opened up the Walmart card and opening and closing accounts too soon is kind of bad for your credit. Should she stay or should she transfer?