Ok, here's the rundown: Matty's got some credit cards. Here they are: 1) P.U. Credit Union, $1000 LOC, 11.7% APR fixed 2) Crapitol One, $1200 LOC, 14.9% APR variable 3) Shears Hobuck, $48 LOC, 38.9% APR fixed 4) Blank of America, $28,500 LOC, 2.2% fixed I'm thinking I'll close Matty's Blank of America and leave the Crapitol One and P.U. Credit Union cards since they were cosigned by Uncle Wiggly. On the other hand, Blank of America has been really good -- he got that card at just five years old. This is a real dilemma. I'll hold off on calling Crap One until I hear from a few people here. Although Matty doesn't realize that I'm about to close a few of his cards, I'm sure he'll appreciate the uninvited help regardless! Doc P.S. Just kidding, Matty