First Post! Credit Card Balance Questions.

Hello Everyone, This is my first time posting & I'm amazed and impressed by the amount of info & kind advice by the members! Here's my situation needing advice: I have 2 credit cards & 1 "no -balance" yet open Apple loan (MBNA): Recently I transferred my only credit card balance to a new Capital one card that had a very low intrest rate (2.9). Yet, after reading some of these posts, maybe that was a bad idea. Reason being, my first card had a balance of $4900 with a limit of $6000. My new capital one card has a limit of$5000. I transferred $4500 to the Capital card, left the remaining balnce on my MBNA card. -Yes, I'm saving on intrest, but is this the most effective move? -Should I try to keep a 35% balacne on my cards, instead of 1 card with the balance appraching the limit? -I'm asking these questions because I want to put myself on track to buy a DUPLEX or 4 family house. -Should I close the Apple "line of credit"? -Lastly, I have about $4500 in a IRA account, should I grab this money (minus the pentaties & taxes) and pay off this debt or use it for my down payment on my house? Sorry for the "long-winded" questions. Thank's in advance for any help!