The 0% were promo rates on 2 different cards and were expiring, so I had to pay them off. About $5k of it was on American Express, and after I paid it off they dropped my limit from $8k to $4k. Stupid Amex. The Citibank card didn't change anything, though.

As a nice side benefit, my credit score last December was 707, and when I checked it last night it had risen to 776 even though $3800 of the CC debt was still showing on the report. Should make that mortgage easier to come by next year. h: