Credit cards

You might want to check the links below; lots of useful information.

https://www.daveramsey.com/blog/how-to-pay-off-credit-card-debt

https://www.creditkarma.com/credit-cards/i/best-way-to-pay-off-credit-cards/

maybe not    part of your credit score is determine by debt outstanding on CC's vs total credit line on all credit cards

say on one credit card with a credit limit of 5000 you had 1000 outstanding 

on another with a credit limit of 4000 you had 2000 outstanding

on a third with a credit limit of 1000 you had 100 outstanding

total outstanding 3100 credit limit 10000  utilization 31%

say you pay off the 100 CC and close it 

total outstanding 3000 credit limit 9000   utilization 33.33% a higher utilization which could result in a lower credit score.    How big of a hit I can't tell you.       

but ask yourself this question does a lower credit score really matter - i can name a few where it could  - buying or leasing a car,  buying a home (the mortgage rate),  maybe renting a new place to live.  

see this

https://www.experian.com/blogs/ask-experian/how-is-a-fico-score-calculated/

other rating agencies use different formulas and i never seen 1 published so I could do my own computations.  

also realize that rating agencies don't always have the same info. 

thus your credit score will vary from 1 agency to another.

even a person with no debt does not get the highest score.  as a matter of fact the highest score may not be obtainable by anyone.   with no debt there is no payment history a major factor in the computation.

best is o lower debt to the point you have a card or cards with no fees that you pay off in full each month.