[nralife]

“All I can say is that I no longer have a single credit card. Nor do I care one bit what my credit score is.”

Sounds like the Dave Ramsey plan. Though I’m sure he didn’t invent it.

[Arkinsaw]

Sounds like the Dave Ramsey plan. Though I’m sure he didn’t invent it.

1) Tear them all up
2) Every gift, stimulus check, tax refund, windfall goes to credit card
3) Refinanced the house, got equity to pay cards, but changed from 30 year to 15 year to make it up
4) When you pay off a card, take the monthly money freed up and pay more on the next one to snowball it.

That got us out of that mess finally. Never again.