Have 2 credit cards with $2000 limit, $0 spent. Have 1 credit card with $25,000 limit, but $3000 spent (has interest rate on it). The two new cards have 0% interest only on purchases. If I want to take cash (ie cash advance), than they charge 5% (no thanks). I was thinking of making paypal, send money to myself, from credit card as a gift so no paypal fees, than transfer to my bank, but for some reason I feel they are just going to block me if I make 2 accounts. Any other ways to go around this.