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AFs scare me in general, and I do not want to ever cancel a credit card as I understand that that hurts a credit score. A good credit score is crucial to getting lower interest rates on credit cards and mortgages. Your bank will look at it when you apply for loans similarly to how they will view a savings how to check on federal income tax return. Just pick one, highest interest rate NOT biggest loan, and whenever you have extra money to pour in like I suggested above, you can specify you want returj just pay into that one loan. If debt retudn is confusing to you, then there might even be rerurn need to hire a professional to do it. They are debit cards that base your line of credit on how much you gave as a security deposit. It will save you bundles over the ceck. No doubt, you may find lucrative financial schemes for the betterment of many loan-seekers.