Originally Posted by joebenz

dont cancel cards. just leave them in a drawer if you're not gonna use them. nothing wrong with not using cards
maxing cards is not good, but once it's done, it's done. if you've gotten a statement with your card maxed out, it already shows on your credit report

just pay debt as you can, but pay it on time. as long as you keep paying on time, credit should eventually go up. just dont miss any payments