I know, I sound like the voice of reason (old) for saying this, but having been in credit trouble in past (around 7 years ago), I'd say get the credit cards paid off ASAP. Yeah, the SC may or may not be around long enough for you to pay those cards off, but think about how free you will feel when they are paid and done. You won't have to send that check in to "tha man" every month, for who the hell knows how long.

Maybe it's because I had such a hard time paying off the ones that I had in and just out of college, but there was nothing that stressed me worse than not making any money in college or right out of college and having to dodge the credit colletor phone calls for my Discover, Dillards, and Exxon cards. Finally, I received a severence package from the company I was working for, and I gave all that money away to the credit companies... it was the best thing I have ever done.

It's up to you. It seems almost everyone here is going to tell you to get the SC, and I would too... but seriously, the credit cards will still be there after you fork over all that cash, and you gotta pay them sometime!