I just paid off my last credit card! When I finished university I had a big credit card debt. I had run it up b/c I needed the money for food sometimes. I paid it down, but when I went to China it just got higher. When I went to Taiwan I took out some cash on them and almost maxed them out again. When I came to Taiwan I had to make payments through my mom, but I neglected it sometimes and missed some payments, but when I opened a bank account with online banking I was finally able to manage everything myself and started paying everything off. I paid off two cards last year, but my Discover card had the biggest debt on it. And so today I made the final payment. I cut up my other cards, and I may this one as well. I don't have much use for them in Taiwan except to buy things online, and I have my ATM debit card for that. So, now I have left is my student loan, but that will take a few more years.