Should i use my savings balance on a builder card to payoff?

[Champion80]

Hello all, I have a poll question for myself, I have a First National bank of Marin card with perfect payment history for the last 2 1/2 years. When I applied, they required $200 of the fees and as I payed it they put it into a savings account, I now have about $230 on the card, it is a limit of $500,(The policy for the card allows me to use the savings apply it to the balance or redeem it once I cancel the card)

I just got a new Cap 1 card(of course most of us know of there sh$%* non reporting of the CL) but I also have a household $300 CL, BofA Secured $500 CL, Midas $800 CL, Robinsons May no reported CL, Education loan $900 balance , 1300 high balance (Installment), Zales $600 balance, $2000 CL and I am an AU on a Citi/Univ $6,600 CL.

I was considering just paying a little over the minimum on the FNBM card until it was paid in full to get the good payment history, but in September I will get another annual fee, in addition, there is a $7.50 montly fee, so with interest, its costing me about $10 a month, in your opinion, should I pay it off now, i will only have to pay about $30 after my savings of $200 is applied, but the card will be cancelled. My Bofa secured hits its first year in 3 months so I would like to get my scores high enough for them to upgrade. If they count my Utilization Citi card I am an AU of, I am very low, probably around 20%, but if they do not, and I pay this card off and it cancels, I will be wiping out a 2 1/2 year card with a CL of $500, and utilization just under 50%(just on this card).

My GF had also just added me to her BOA with a $10,500 CL as an AU, it hasnt shown up yet, so I dont know if they report AU, but if they do, and it really counts, my utilization will be fantastic.

My scores below represent MYFICO, I just got a charge-off with the DOLA of August 2002 reomoved from my TU and EQ, I still have 3 non-paid CO, All do not show on every report, 1 medical balance of $214 showing only only on TU, I think this one will be deleted successfully soon, another CO a $67 is showing on all three but was told by the current CA that they are selling it this month, so I will pay with the new CA, and prevent a reporting, so that will be gone. Another is a paid charge-off on experian, I this was successfully deleted on the other 2 CR last month, so with a litle work I should be able to get it off soon as well, then the last remaining is a very bad $957 ticket from Sacramento County, this as well only showing on TU, I am hoping they will sell it, DOLA was 8/2003, I am definately going to pay it within the next 3 months, but this one may be a long shot getting a delete considering its the county, but my score for TU is suprisingly not that bad.

My scores below do not reflect the bad CO I just got deleted, which was showing on both TU and EQ, but I did run my PG today, EQ now shows 638, 9 points higher, than 2 days ago, so it just got deleted and may go up more but I do not know if the CHAOS theory is at all involved.