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_Sky said:
Please think twice before closing any credit card accounts. Your credit is based upon how much available credit you have, how much you owe, and how long you've had the credit account. Cutting up the cards without closing the accounts is good, imo. But if you simply must close some, pick the latest ones open, keeping the ones you have had the longest.

(Credit is based upon your available credit versus how much you owe. If you close an account that you owe nothing on, your credit takes a tumble....because they use a ratio. The only time having too much available (unused) credit will hurt your credit score is if it far exceeds your annual income. Just thought you'd wanna know )

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Thanks so much for explaning, Sky. And also, thank you for the reframing. We studied reframing 2 semesters ago in school, but I'm not very good at using it on myself.

I still have a ways to go before I pay off any of the cards I cut up. I will make monthly payments for awhile before I can think about closing out the accounts.