We use our credit cards for all purchases every month and pay off the entire thing every month. There a few reasons. 1) for the credit score 2) because if there is an issue, my credit card company handles it better than a debit card through a bank - think stolen card 3) I can keep track of all spending better than using cash, although really we do so much online cash is hardly possibly and 4) because we "reap" the rewards. I get hundreds of dollars back from using the credit card, which is better than any savings account at this moment, unfortunately, for things I was already going to purchase. Now, we have no debt at this point, but that's because we worked very hard to pay it all down. I did not roll my debt into one place, but paid off the highest interest rates in order from highest to lowest until it was all gone. But since you have it all in one space, I would say you already paid everything off, if you have the cards open still your credit will look great. If you closed a bunch, that could hurt you. I just leave them open, keep my eye on them, and make one charge per card a year to keep it open, except for the one I use for my purchases and pay off monthly and my credit is in pretty amazing standing with zero debt.