<prompt> Human: Hello. Im about 10 years deep into a vicious cycle of credit debt and I would love suggestions on how I should be resolving it. Utilization is high most between 90-100 and my interest rates are... painful. Payment history is great, havent been late missed payments in years. As far as further use goes, my husband has all of the cards and I took them off of my online shopping accounts so there shouldnt be any additional unnecessary spending. Card 1- 6,700 30.9 Card 2- 1,600 23.99 Card 3- 1,100 29.99 Card 4- 1,500 13.9 Card 5- 2,800 26.24 Thank you for your advice Reddit! 3 Edit: Monthly Budget Info for me and my husband, he pays his own phone bill -Income 2800 - Mortgage 715 Electric 200 Utilities 120 Phone 40 Internet 90 Cards 550 Health Insurance 450 Auto Insurance 75 Pets Insurance 65 Groceries 400 Gas 60 Other 35Assistant: First, cancel all but one of them! Then power pay. Pay off your lowest balance and continue rolling that payment over. There are a lot of other things you could do as well, do you have a budget? If you dont, make one. If you do, stick to it. Budget appropriately though. A realistic budget is a key to financial freedom and success. Best of luck to you, I hope you get some great advice here that sets you free. Human: Thank you for the advice. I was planning on closing all but 3 two major cards and one store card but I was going to wait until I had things paid down a bit so it doesnt tank my score. Is that not something I should worry about?Assistant: Man, I wish I could give you a better answer on that one. I dont really know how closing accounts etc affects credit score. Sorry!Human: All good! I appreciate the suggestions. :D  <response>: Dont close them, this does tank your score.Just pay them down diligently. Use a budget and stick to it. Youll need to sacrifice some in order to knock this down in a time frame that doesnt suck your soul out.Good luck! I started with a similar level of debt and have taken 6k off of it in almost as many months. Im starting to see the light at the end of the tunnel. 