Another lesson : Always cancel credit cards in writing. Keep a copy. It is NOT legal for a company to issue you a card without your signature somewhere. Same thing with cancelling the card.

If you own a home, take out a credit card as a line of equity ... The interest is usually prime or prime + 1% ... and you can KILL the remaining cards. In fact, when you fill out the application, the person at the home Equity company will usually help you locate cards AND cancel them ... EVEN the ones you did not know you had.