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Khatmandu

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what to do after I pay off credit card debt... 3 of them were 0% will go to 13 now what paid off
i used 0% to xfer and pay off all balances do i keep accounts open or close i dont want to go back into debt all these cards will go back to 13% is it wise for me to take a )apr for 21 months and use that instead of using 13% paid off apr 1

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Keep the cards, since closing them will hurt your score.  Use them periodically, but pay the balance in full when the bill comes in, or as quickly as possible afterwards.  Learn how to  manage your spending and you will have credit working for you and not against you.  If you haven't already,please read the articles this site presents.  The knowledge is valuable.

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