First of all, pay off those cards.  While you are eating a fancy dinner as was suggested, Your credit card interest is going "cha-ging" and increasing your debt.  Pay off the highest interest card first.  Pay minimum plus $50. on each of the others.  When you are debt free use your cards as if you were paying cash.  For instance, I buy my groceries with my credit card because I get a 3 to 5% credit on my card.  And I pay my card in full each month a week before the due date.  I know I can pay it because I am frugal with my grocery list, no large steaks, lots of chicken.  I have done this and you can too.  Don't cut up or close those credit cards.  When you get them paid off, your credit score will soar.  Be sure to use them for small amounts you know you can pay.   ... View more