None of my business, but just make sure you and your wife are on the same page when it comes to money. That's the best financial advice I can give to anyone. You most likely (by what you've said so far) benefit by moving all your credit card debt to a home equity loan. These terms are very flexible, so be realistic about how long it will take, and get the loan for that time period. Now you're making one payment every month, plus it will probably be tax deductible for you. Next, DON'T cancel the credit cards. One of the biggest factors in your credit score is amount of credit available to you vs how much you use. So keep them in drawer, and only use each one a couple times a year, and then pay it off immediately. Use only one consistently, and like others have said pay it off each month in full. I have 6 credit cards, but only use one. Not only do I pay it off in full every month, I'll send in 2 or 3 payments each month (via automatic bill-pay from my credit union.) This way I don't get slammed with a big nut I have to pay at the end of the month. (Which is when my mortgage, utilities, insurance, etc. is due.) The other 5 cards I'll use a couple times a year for car license renewal, magazine subscription, etc. Then I pay the credit card company the same day. Bottom line, I view my credit card like a checkbook. If I use it, I pay it off right away.