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First, do NOT close ANY CCs. I don't care if the APR is 35% and they charge a $100 a year fee. We'll deal with that later. They are important leverage you can use to your advantage. Closing CCs rarely does any good, and often does harm. Never do it unless they are costing you money or a prime mortgage lender demands it.
Second, please post the CC info for all your open CCs. CCC, balance, CL and APR. Names of the CCC and the name of the CC can be important as multiple CCs from one company can sometimes be leveraged to your advantage.
Third, where are your lates and are they all legit lates?
Fourth, if you're concerned about having PIF CCs lying around, try this. Take an empty clean metal soup can, and stick the PIF CCs in the can. Fill it with water and stick it in the freezer. Empty OJ cans also work as they have metal. Metal means you cannot use a microwave, but hot water is a cheat one can use. Having them, but not having them immediately accessible is a good training tool, IMHO. Shows you that you can trust yourself to have them and not run 'em up to the max. Like getting used to standing on a steel girder 30 stories up--with a safety line.
Noah_Bodie wrote:First, do NOT close ANY CCs. I don't care if the APR is 35% and they charge a $100 a year fee. We'll deal with that later.