Update on the dilemma - Credit or E-fund

As a follow up to this post, I have decided to just pay the minimums on the 0% accts and save what I would be paying into my current savings acct. I will put it into a sep savings acct (just for the cc money), but I haven't set it up just yet. I contemplated sending it over to ING, but that's only at 4.5% and it takes a few days to get it (both a pos and a neg). This way, I'll earn more interest and it will take only seconds to get to. My goal is to build up a temporary pseudo e-fund while I'm building up a real e-fund. AND, I automated it at $75 per week.