<prompt> Human: This might seem dumb but what is the best way to stop using my cards and start paying them down.. scared to cut them up  <response>: Some people have recommended putting them on ice meaning you put them in something like a Tupperware container. Fill it with water and freeze them. That way if you want to use them you have to go through the process of thawing them out making you really think about if it is worth it to use it.But yes, if you arent paying them off in full every month stop using them. Hard to get out of a hole if you are digging it deeper. 