<prompt> Human: Currently have 6 credit cards all with 20 APR.My total debt is 13995. I am receiving 14k. I am planning on using all of it to completely get rid of my credit card debt just wanted to see what knowledge reddit could provide.1. Can I call my Credit Card companies before paying and see if there is a lower payment that we can settle on since it is one lump payment, or should I expect to pay the whole 13995?2. Should I leave all 6 lines of credit open and only use for a tank of gas a month just example and pay off each month just to show utilization? Is that good for credit?3. after paying all of my credit card debt at once will I be able to get credit cards with way better APR for future use?  <response>: after paying all of my credit card debt at once will I be able to get credit cards with way better APR for future use?Stop. Carrying. A balance. Has this experience taught you nothing? 