Consolidating my credit cards?

Consolidating my credit cards?

I have two credit cards. One has a balance of $710 (Bank of America) with a $1,200 limit, and the other has a balance of $1,600 (WaMu) with a $3,500 limit. I've been thinking about transferring the BOA balance to my WaMu account so I can be done with that card and only have one payment per month. However, my debt-to-limit ratio will go up on the WaMu card thus possibly bringing my credit score down. Also, WaMu (like most creditors) will charge me 5% of the transferred balance. The BOA card has a higher interest rate (something like 12-14%) and the WaMu card is something like 9% variable. The interest rate on my balance transfer will be 1.99%. I know that my Mom did a balance transfer through CitiBank and everytime she'd make a payment, it would go towards the transferred balance while her other balance, with the higher rate, was steady adding interest. I'm just trying to weigh my options here. What would be the better idea?
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