First thing I would do is cancel all the cards with zero amounts on them. That would mean your Discover, MBNA, and GM Card would goI don't reccomend this. This would greatly lower your debt to limit ratio. This would lower your score immediately and prevent any 0% offers for some time. Having said taht, you do need to make sure you don't use them again. Keep them open, unused, until you get your debts down. Then, close them off one at a time. Good luckfredinseoul
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