<prompt> Human: Sorry for any formatting issues, Im on mobile. When I was 20 I took out a bunch of retail cards while working a part-time job and living at home. Im 22 now and I just moved out, but now I have all these payments I have to make with money that could be going towards furniture, groceries, etc. I want to use my refund to pay it off but it wont be enough for every account. My refund will be just shy of 1,200. The highest balance is on my CitiHealth card I got about a year and a half ago. I went to get a new pair of glasses and came out with three expensive pairs on a deferred interest credit card because I was an idiot and didnt read the fine print. I got it down to about 550 from 1,000 before the deferred interest kicked in because I hadnt paid off the entire balance in 12 months, so in November it went back up to about 980 or something like that. Right now I think Im down to about 913. This is how much I owe on the other cards and what their limits are: Express: 409500Victorias Secret: 72350Overstock: 36350Amazon: 596900CapitalOne platinum: 413550I get paid biweekly and bring home around 1,600 a month. I pay 600 a month for rent, 82 for my phone, and 120 for public transportation. I would love to get rid of these cards because I clearly dont have much self-control when it comes to putting things on credit but my score has gone from 500 to 668 in about a year and I worry that if I close the accounts my score will go down. The only negative thing on my credit report is that my utilization is really high. Thanks in advance for any advice!  <response>: Dont worry about your credit score; youll be fine. You are losing money every day on the interest your paying on these cards.Accordingly, whats missing from your list of cards is the interest rate on them. Thats probably the most important piece of information to know to answer your question. 