$GTCH When a credit card user is using his/her account, in most instances the selection of the card is done arbitrarily or by credit availability. In many cases the credit card user is not utilizing his/her other cards lower interests and benefits. The patent protects an automated software tool and method that would combine all of his/hers credits cards accounts into one credit facilitate account. This one credit system, automatically prioritize and charges according to the user's best interest. Furthermore, it will "consolidate" all the line of credits from his/her differ credit cards into one "large" line of credit. The one credit system accumulates the users' credit cards available credit into one account. When a transaction is made, the system searches the user's most beneficial credit account and charges or allocates the amount to it.