I have $42,000 in credit with a major bank on credit cards, and just received an $8.5k 0% balance transfer from another (they just put the money in my account).

I have $42,000 in credit with a major bank on credit cards, and just received an $8.5k 0% balance transfer from another (they just put the money in my account). I've earned basically nothing in the last 6 years (been a student). Unsecured credit is out there, it's just about establishing a credit history, which I've been doing since I was 18.