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Recently we received a Credit Card from PEN-FED with a $22K limit. I received three letters of denial before persuading them to grant the card. The purpose of the PEN-FED card is to consolidate our USAA and Citi AAdvantage cards (just under under $22K combined). We will take that amount divide it by 18 payments and pay it off in 18 months or less. We are committed in doing that. My question to the group is this: Now that our AAdvantage Card is $0 is there any way possible that we can use it to pay our monthly mortgage payment which is held by Wells Fargo and accrue miles each month??