I just paid off one of my 2 card balances yesterday! And my other card balance is relatively small. I plan to apply the $ I used for the first balance towards the second, along with the reg. amount I already set aside for that (which is always significantly more than the minimum), I should be clear in no time (OK, a few months).
Then I should cast my eye on the hub's card.
So...it won't affect me in the least. But I think I have a much better handle on my credit use than many.