Hi, welcome to the forum. Don't apologize for a long post, details are appreciated here.
You are definitely on the right track. I don't think I would pursue the Merril+ card. Aggressively pay down your balances, minimum to all*, and the remainder of what you can afford to the highest interest-bearing debt.
*I would pay more than the minimum on the 6.9% card. That is a nice rate, try to maintain a healthy relationship with them. They may jack your rate if you make them nervous.
As you pay down your balances, your credit rating will improve and more 0% offers should appear in your mailbox. I would place more emphasis on saving money than credit rating. Credit rating doesn't pay the bills. If you suffer a rate-jack from one of the cards, I would definitely try for another low-rate card.
Good luck on your journey back to a $0 balance.
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