I just realized that pretty soon, my balance on the Visa in the bank that I WANT to be my primary bank is going to go low enough that I can transfer my [primary bank redacted] Visa. That's going to hurt my credit score in the short run, as that's my oldest credit card, but since it's a secured card, I can close it out and apply the balance to my highest-interest debt. The secured card has also got relatively high monthly fees and an APR of 19.99, which seems pretty outrageous on a secured card if my research is anything to go by (it may not be, but the other card is about half that, and unsecured). PLUS it's one less minimum payment per month, which I can then apply toward that first high-interest account... I'm pretty excited.