21 with all this credit card debt! Help!?

Don't close any accounts whatever you do. The large limits are good for your credit score as long as you keep your owed balance under 35% of the limit.

If you have cut up the cards then the balances won't change so set up automatic payments from your bank account and leave it alone. Making a lot of separate payments doesn't cost anything, but transferring can cost in fees and changes in interest rates.

I would leave everything where it was and do what one other person said: pay off the one with the highest interest rate first.

Don't let people freak you out too much about this. This is actually pretty manageable amount of debt considering the average college student has $20K of student loan debt coming out of school, and all these interest rates are even better than student loan rates. As long as you are living within your means now, you should be fine. In fact, if you can pay all these off or down to very small balances, your credit score should be great.

I would just advise to keep track of the interest rates and if one does spike after the introductory rate, you can always either 'threaten' to move it to another card, or just do the math on the fees to transfer vs. the new interest rate.

Good luck, and welcome to the American rat/debt race!

Keep them separate, do not move them to all one card!

I took a personal finance class. My teacher who has been teaching this for years gave us this advice.

Pay off one credit card at a time. Pick the credit card with the highest interest rate, pay as much as you can while paying the minimums on the rest. Once you finish one, move on to the next highest interest rate.

You'll get through :)

Cut up cards once paid off.

Holy freaking crap. What the ****? Are you shitting me? Read Dave Ramsey's total money make over. Basically what you have to do is track you're spending, meaning write down what ever you buy for an entire month. From that, see what you can cut back on. With all the money you're saving monthly, pay off all your debt. Then, once you're done, CUT UP ALL YOUR CREDIT CARDS and get yourself a debit card.

wow. call one of those credit help lines, they talk to the credit companies and settle, the only thing is that you have to pay it in full, non of this month to month thing. for example if your balance is 13,000.00 they will bring it down to about 6 or 7 thousand but you have to pay that amount in full. ive heard the comericials on the radio but since im not in debt no more(thank God) i dont really pay attention to the #. i wish i would of know of this 6 years ago when i owed 11,000.00. sorry i couldnt be much more help.

too much money if you ask me,, you got yourself into this debt, get yourself out of it