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We got a signature loan for the amount of our credit card debt from our bank and closed the cards once we paid them off. We had other cards that were paid off and left those alone (store specific cards that weren't tempting like a VISA) so we didn't get rid of all our credit. I don't care what experts say, if you have a problem keeping the plastic in your wallet, close it. Better to learn a lesson, get out of debt, and try again later IMO.
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