@Dadof31978 wrote:You need to find Dave Ramsey and not more cards.
I agree, no more cards, but yikes; Dave Ramsey? Horrible advice; he's the charlatan of credit advice, for every good nugget of advice he doles out, he spews forth three or four very bad recommendations.
In reading through I would say no more cards at the moment. I'm actually surprised you are near 700. The good thing is that 14K in credit card debt is that much, but that utilization is a killer. Some have suggested getting in with a credit bureau. Even if you don't I'd suggest going to your bank and trying to get a loan for the 14K. You will be paying a lot less than the 500-750 per month you are paying. Your scores will go through the roof and paid off credit cards just makes you feel better.
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