conv: I racked up a lot of money on my credit card shortly after paying it off. I paid off my credit card before buying my house.  I didnt realize how expensive owning would be and after some repairs I owe more than I started with on my card. That's really good! Do you think you're ever going to use the card again? Im hoping I wont have to.  Unless something major comes up I'm not planning on putting anything on credit again. That is wise. I too am trying to pay off my credit card debts. After that_comma_ I'm cutting them up.