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[quote=Anonymous]Congratulations, your young have a college degree (again congrats on that i know it's not easy!) a job w/decent pay (benefits?) and are finanical savvy enough to have paid down/off your credit cards.....all that said, I think you should do the following...
1) find out what your FICO score is froll all 3 credit rating agencies, then devise a strategy to get your FICO score up...some ideas from previous posters could help.
2) figure out how to pay your student loans (if you have any?) and consoliate a.s.a.p. 
3) call your credit card carriers and ask them to lower your interest rate...depending on your FICO score you can request them to ower it significatnly ...if not, telll them you're  closing your account.
4) regardless of what your present CC carriers do (or don't) you might wnat to keep on sopen---but do NOT use it if it has a high IR, you want to time you opened it up to work to your advantage, but do NOT use it!

5) research and apply for a low IR ccredit card carrier...they're out there, but youhave to do a little legwork
6) save, and maximize your work savings plan program as much as possible.

contine to be smar on how you sue your case, credit, debit and consider sugin checks...they're still honored and with the recrnt increase in fees on CC'and are usually a cheaper option.  Goo luck![/quote]

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