I have been basically following the Ramsey system, paying off the card with highest interest rate first, typically doubling min. payment, and shelving the cards after I pay them off.

I haven't cancelled any yet but I've read conflicting stories: Some sides say to keep the paid-off cards open, as it increases your credit limit which helps your credit score. Others say cancel them as it makes your debt to income ratio lower.

I looked at Dave Ramsey's site but only found the basics there available without paying for anything...Which I am trying to avoid! smile

Thanks for the advice so far.