Hi all,

Here is my original post for context:

https://www.reddit.com/r/debtfree/comments/1560ci4/help_me_prioritize_debt_repayment_plan/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=2&utm_term=1

Since posting this, I have paid off two CCs via debit/cash flow. I have also opened a CC with my personal bank with a 0% APR for 12 months on balance transfers. I transferred three accounts that had the highest APR to this new card, while not maxing out the newly opened CC.

I am taking all of this very seriously, and the original comments really inspired me and helped me. I am curious now if it is smart to close the accounts that have $0 balances. All of the cards are shredded and I do not have the account information (aside from online banking). This would mean I close 5 accounts that are paid off. Or, would it be smarter to keep them open to improve my credit score with future credit increases? I will not be using, but I don’t know if I truly want to close all of these accounts.

All support is appreciated. Thanks for reading!