June 2015

I would pay off the smaller amounts in full, since they should be completely covered with the $1798 you have available. They will be paid off and out of your life.

Then, make regular payments on the remaining one.

I thought closing accounts can hurt you more than help, ie. your debt ratio is affected? It also will affect your credit score. Part of your score is based on Longevity of credit. Your length of credit history comprises about 15% of your score. BUT if you cant resist the use of it and it is open credit… well then you have to decide if keeping yourself out of further financial trouble is more important.