Your ideas

EssexHebridean

You don't need the physical cards to pay them off - just the account details. Cut the cards up. Seriously. Otherwise a few months in, when it's starting to feel like hard work, and you see a tempting offer for something, what is going to happen...? And if you say "Oh no, I won't use them" then there you go - might as well cut them up, hmmm?

If you're concerned about emergency type things, well first off you probably don't need to be what with living with your folks and not having a car. If you are though, stash £500 aside as an emergency fund just in case, but cut up the cards anyway.

QuietOne

All the cards or just virgin and Barclaycard and keep metro bank one? My aim to close all the credit accounts anyway. I will cut those two up for sure. Isn't it wise to have at least one credit card anyway to maintain your credit file?

enthusiasticsaver

I would keep one credit card, use it occasionally and pay it off every month once the others are clear.

QuietOne

All the cards are now cut apart from my metro one. Will close the other accounts once settled. Thanks for your replies

EssexHebridean

enthusiasticsaver wrote: »

I would keep one credit card, use it occasionally and pay it off every month once the others are clear.

Set the direct debit to "Clear balance in full" to avoid the risk of forgetting to make more than the minimum payment on it. well done for cutting up the others, too!