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No. of Recommendations: 3
Honestly, your answer didn't help me at all. You don't know me. You don't know the reasons behind the debt. The hardships my family had. I was simply hoping for an answer that helped me decide if by closing these cards my credit score would be damaged. That's it. Instead I got "learn how to use credit cards."

There was no way to tell if your credit score would be damaged by closing the cards, given the little information you had provided.
And by saying things like But honestly, I'd rather take the hit to my credit score than ever use these things again. I see the benefits of using them (especially if they have rewards) but I really just want to put these things away and forget they exist. you didn't seem to actually be asking about whether your credit score would be damaged by closing the cards - more about whether you would be better off closing the cards.

The additional information you provided about cutting cable and doing other budget cuts now (rather than when you were building up and/or paying down credit card debt) suggests that you probably will still be better off closing the cards until you have an emergency fund built up to deal with hardships. Therefore, I still stand by my answer, that since, for whatever reason, you built up credit card debt and chose to borrow from your FIL to 'pay the cards off,' rather than paying them off on your own, you would probably be better off living without them for a couple of years, until you have lived with a budget and built up an emergency fund. As you can see, several others also suggested living without the cards for a while, too.

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