If you close out your accounts you're lowering your debt to credit ratio and thereby lowering your FICO score. Pay them off, but don't close them down, you're losing your credit history if you do that.
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Credit Cards.. Eek!!
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Not worried about it.. I have a very high credit score so I'm fine.My thoughts they were the devil and they needed to be destroyed LoL. Seriously, in the future I'll get another credit card I am sure but right now I am enjoying debt freedom lol.