Article: Take out all credit card statements and identify the credit limits. Add them together to get your total available credit. Then go through and add up all balances. Divide the balance amount by the available credit. For example, if your credit limit is $15,000 and your total balances are $3,000, then your utilization rate is 20% ($3,000 divided by $15,000 is 0.2). You can't close a card until you pay off the balance. Accordingly, you should commit to paying off the balance as quickly as possible. Create a budget if necessary, and stick to it. If you don't have the money, you can call your card issuer and ask them to freeze the card. This will prevent you from making new charges. In order to protect your credit score, you may need to pay down the balances on your other cards so that your utilization doesn't rise. To see why, consider the following example: Amy has three credit cards: A, B, and C. She wants to close A, which has a high interest rate. All three cards have a $2,000 credit limit, giving her $6,000 in available credit. Card A has a $500 balance, and Card B has a $2,000 balance. Currently, her utilization rate is about 42% ($2,500 divided by $6,000). However, if she closes Card A, her available credit will be $4,000 and her total balance will be $2,000. This gives her a utilization rate of 50%. Amy's credit score will decline as a result. Amy can keep her utilization rate from rising by paying down the $2,000 balance on Card B. Ideally, Amy should pay off all balances before closing any card. If you have a rewards card, you'll probably lose the rewards when you close the card. Accordingly, you should redeem all of your rewards if possible. Some cards make it difficult to redeem rewards. For example, you might only be able to redeem if you reach a certain threshold. Alternately, some cards allow you to redeem points only once a year. In these situations, you might need to delay closing your account if you want the rewards. Closing one card might hurt your credit score a tiny percentage, but closing all credit cards will hammer your credit score. This is a drastic way to manage your debt load, and you should consider alternatives, such as credit counseling. Find the number on the back of your credit card. When you call, ask the rep to confirm that the balance is zero. Tell the person that you want to close your account and ask that they report the account as "closed at the consumer's request." The representative might ask why you are closing your account. You can tell them your reasons, or just say, "Oh, I don't need the card." It's your right to close an account, so don't let them dissuade you. Write down the name of who you speak with, including other details (day, time, substance of the conversation, etc.) It's a good idea to follow up with a letter in case the customer service representative makes a mistake. In your letter, request that the account be closed "at the consumer's request." Include your name, account number, and contact information. Also explicitly ask that they send you a confirmation letter. You'll want something in writing. Mail the letter certified mail, return receipt requested, and keep a copy of the letter for your records. Wait about a month, and then pull a copy of your free credit report. Check to see the account has been closed and that it states your account was closed at your request. If the account remains open, call the card issuer again. Send a follow-up letter and include a copy of your original letter. If there isn't a notation that the account was closed at your request, dispute the error with one of the credit bureaus. You may want to keep your credit score as high as possible because you are applying for a mortgage or a car loan. In this situation, you should wait before closing your account. Get your mortgage first, and then focus on closing credit cards.
Question: What is a summary of what this article is about?
Calculate your current utilization rate. Pay down your balance in full. Reduce the balances on your other cards. Redeem all rewards. Avoid cancelling all cards. Call to cancel. Send a letter. Confirm the account was cancelled. Postpone closing your card, if necessary.

In order to install the backup software, you will need to install a few more tools for the Wii now that it is softmodded. Download the latest version of DOP-Mii as well the cIOS iauncher. Keep the file structure intact. Insert the SD card into the Wii and open the Homebrew channel. Run DOP-Mii from the list of programs and select "Install IOS36 (v3351) w/ FakeSign". Select Yes when asked to Apply NAND permissions and download the patches from the internet server. Select Yes again when it prompts you to restore. When it completes, it will drop you back at the Homebrew channel. Remove the SD card and put it back in your PC. Keep the file structure intact. Insert the SD card back into the Wii and navigate to the Homebrew channel. Open the cIOS installer. Select IOS36 from the version options. Confirm by pressing A. After installing successfully, the program will ask you to press any button to restart the Wii. Plug your external hard drive into your computer. You will need to download a program that will format your hard drive to match the file system of the Wii. WBFS (Wii Backup File System) Manager is a free, open-source program that will properly format the drive. Run WBFS Manager with your external connected, and select it from the dropdown menu in the program. Be sure to select the right drive, because all data will be lost when it is formatted. After formatting, remove the external hard drive from your computer and attach it to the Wii in the bottom USB port. Insert the SD card into your computer. Download the latest version of USB Loader GX free from the website. The site offers an executable file for download that will automatically put the files into the right section of the SD card. Once you've copied the files to the SD card, insert it in the Wii and open the Homebrew channel. Select USB Loader GX from the list of programs.
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One-sentence summary --
Download the necessary software. Extract DOP-Mii onto the SD card. Extract the cIOS installer onto the SD card into the Apps folder. Select Network Installation. Prepare your external hard drive. Install the USB Loader. Launch USB Loader GX.