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Yes, be careful about closing cards, especially if you've had them for a while. I paid and closed a Mastercard I had used for 10 years about 6 months before purchasing a new home. My credit score dropped like 20 points. I was told it was twofold, less available credit, and the length of time I had a good credit rating with them no longer *counted* towards my score.
And yeah, me and the wife have some CC debt, but things are starting to turn around, and I should be able to double up on the payments here soon. I suppose we'll always have some CC debt, but it's keeping it at a low level is the key.
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"No laws, no matter how rigidly enforced, can protect a person from their own stupidity." -Me-
"Some people are like Slinkies..... They are not really good for anything, but they still bring a smile to your face when you push them down a flight of stairs." -Unknown-
DAMMIT! -Jack Bauer-
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