[NICKG]

these are not all m/c or visa..I have those and a few others(lowes and HD fior the house) that we use. There are some things that I cannot just pay off every month..the lowes for example has 0% interest for a year..so we use them for our home repairs (which have been substantial).
Realistically I asked more about what a better management would be, and it seems that i am going about it the right way. The problem with "cuting up the cards" is that as you do this and cancel off the accounts, your debt to cfredit ratio goes up...therefore as a result your credit goes down. For example, I have cancelled some cards with 0 balance that had 10k credit limits..when i pulled my next credit report (i do it every 2 months) my credit took a good hit as the balance to available credit went up.. so it is not just that easy. I am looking for a balance and to control these to my best benefit. I do make habit of dropping any card that has the highest intrest and did away with all Capital one cards when i read the horror stories involving them upping interest without warning to good standing customers(we had 7 total cap one cards...) I have also tried to cut down the ones with low limits to get rid of them.

The one card that I have absolutely refused to get is a gas card...no way am i putting gas on a credit card..that is just dumb