Get rid of the Store Credit Card. It does you no good as you can use a VISA/MC/Amx for the same purpose. USAA has a great reputation and generally the lowest interest rates you will find. While it's good to have a primary and backup credit card, make a habit of using only one. Your Credit Union card will not affect your credit rating, perhaps you could use it as a debit card? Otherwise, see if you credit union will switch this out for a debit card so you have 24/7 cash access
