scan all the ads you get in the mail for credit card, pick one that has a low FIXED interest, not the ones that have no intrest for a year , because they will have a varaible intrest at the end of the year for up to 22%.
the fixed ones should be less than 6% annual and pay off all your hi interest cards and burn them. never use the CC any more for anything. if you say I will only use for emergencys you are only lying to yourself, don't even carry it.
