I think you handled the CC issue fine, it probably would have been going too far to suggest moving it to a lower interest rate card, she might see that as controlling behavior.
Regarding OM, good job on the 2x4 That's beyond your control, and you don't really know if anything is going on anyway so turn your focus back to you.
That's beyond your control, and you don't really know if anything is going on anyway so turn your focus back to you.