<prompt> Human: I have a bit of a spending issue, although its under control now. I have 3170 in debt. Recently acquired 5000. Paying off the 3 cards, and cell phone installment fees saves me 109 month. Also leaves me with 1830 left, plus whats in my bank account 650.What should I do with the 3 cards after I pay them off? They are high interest, 20.Thank you everybody. I should have included my monthly expenses after debt is paid off and a couple more details. One of the credit cards is a PayPal smart connect, with a crazy interest rate of 25 and limit of 500. Its pretty useless to me. The others are citi bank and capital one, citi bank is a 1500 limit 18.49, and capital one is 750 19.80. My monthly expenses left after all debt is gone is 240 for car payment, 146 for insurance, and 57 for phone bill. Forgot to add, 500 of the debt is paying off a cell phone that costs 0 in interest rate.  <response>: After you pay off the cards, cancel the ones with annual fees if any and use the rest responsibly. 