<prompt> Human: Ive got a lot of credit card debt a long with house and car payments to my name right now. The credit cards are pushing up 20k.I was just curious about one thing.If I were to get enough money to pay off all the credit card debt completely in one fell swoop, would this be a smart decision? Or would it be better to pay off a chunk and keep a certain amount active? Ive heard it said before that having nothing on your credit cards hurts your credit. Lets say I have 10 different credit cards with assorted amounts on them. Would it be wisest to pay off the newest ones and close them out and keep the old ones for credit history?Assistant: What do you need a credit score for if you already have a house, car loan, and credit cards? Pay it all off as fast as possible.Human: I dont plan on staying in my current house for a long time. I might also potentially be needing to buy a second vehicle soon as well  <response>: You dont need a second car loan if you have 20k credit card debt. 