How do I eliminate my debt w/o destroying my good credit score/history? … continued…?

Anyway, we additionally have most a K credit extent upon a single Circuit City Rewards VISA thru CHASE BANK with NO debt during all. The superfluous disproportion is essentially citibank checking as well as debt of most K (BANK CHECKING CREDIT LIMIT k) as well as a 4% seductiveness automobile loan of most K (final 5yr remuneration of 7 Jan-2009). What do we do? My FICO manoeuvre final time we checked was around 720 behind when we was most K reduction in debt. we ease make use of a single credit label for gasoline which is my Citibank VISA label which is most to strech a credit limit. we have had 0 credit inquiries in a past twelve months. we was additionally wondering if we should occur to determine with my preference upon submitting applications online for SEVERAL credit game is which if we should do all during erst exclusive of minutes?… or does requesting for a same series of game which we desire widespread discover in multiform days even matter? we theory what I’m perplexing to ask if a credit inquiries done tighten together would start my credit manoeuvre less/more negatively? What do we do???