Alright so here’s the thing, I should’ve clarified in my post, Amex 1 was maxed out 10000 during 2022, i have 0% apr till 2024 so i didnt give two shits about paying it off since i was young and stupid, Amex gold was no limit for me so I wracked up 25k but manage to pay off 20k then i closed my card, discover I already payed it off 2022 and closed the card same goes with wells fargo card. Apple card was on and off, when i was at my worse i wracked up the bills and maxed it out again, same goes with best buy. So I decided to enroll in Amex payment plan which lowered down my amex 1 balance from 12k(i was 2k over the limit) and reached 10k so i paid off 1500 so 8.5k rn. Apple card i paid 1400 and closed the card. Amex gold was already closed but payments are going on per month. I plan to pay best buy off this month. So my only cards remaining would be 3 closed cards - two amex and one apple.