Hope this is ok here. This subreddit popped up on my feed. It’s been on my mind a while. So I thought why not ask here. It’s somewhat debt related.

I moved to the states from the UK about 10 years ago. Brought a little debt with me from moving costs. Started with 0 credit rating. So opened a few cards with 0% balance transfers to make it manageable. The debt has been bounce over a few cards when the terms have ran out. All credit card debt is no clear, but I find myself with 8 lines of credit accounts totaling almost $70,000. (All with $0 annual fees)

I have been working on working on keeping my credit score up, as a part mortgage will be needed in the next few years.

What do you people suggest to do with the credit cards? I don’t want to close them all, and the closed account hurt my credit score. But I don’t want that available credit to go against available credit to hurt me when it comes to a mortgage.

Any insight of what would be best?