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I’ve got two credit cards that are maxed out and can’t seem to make ANY progress by paying the minimum payment when I can. It’s to the point now where I’ll go a month without paying them and I just start racking up bullsh*t fees which put me even further into debt. I need to [...]

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I have several credit cards, many from the same institution. I’d like to combine all the ones from the same institution into one. All the cards are paid off monthly – I am not carrying any debt. Will this hurt my score? Will this hurt me in any other way?