Well, today I finally got the nerve to do it! Did what, you say? I shredded three of my credit cards. Some say that is a mistake and others say more power to you but I felt like the only way that I am going to conquer this debt is by totally eliminating any temptations. I still have other cards. Some I plan to keep and others I play to discard as well. As soon as I get the nerve up again, I will be doing some more shredding.

I have been thinking about cutting up all of my credit cards but I am afraid to do so. I don't know why I am afraid of doing it because as it stands now I can't use the cards anyway. I have read on other blogs where the authors have just quit using their credit cards and not cut them up. I really don't think that would work for me. If I had credit available on any of my cards I know that I would find some excuse or reason to use the card. I guess, in essence, I have answered my own question, which was "should I cut my credit cards up?". But, I would like to know, what would you do?

I really like the idea of using the snowball method to knock down credit card debt but have been advised not to use it until I get my balances below the credit limit on cards. But, how do you do this when you have several cards (7-9)? With the exception of about three of the cards, the rest of them have relativly low balances (around $300-500). The others have balances slightly above $1000.

Do I just take one card at a time and pay enough on it to get it below the credit line and then move on to the next one? Or is there another way I can do this?