Well, just to knock some of the icing off the CC issue here, they are not a problem. Never have been. In all reality, I have enough of this bonus to get the S/C and to pay off some of the cards. The CC are not really an issue, but I thought it may have been an option in case I thought the S/C wasnt as important as feeling the freedom of having no debts, heh.

I think I will just go ahead and get the S/C and with what I have left, drop into closing some cards out. Combined, I only owe about a combined balance of $4k on the cards anyways. And when you are a rich superstar like me, you can easily cover that in a good night's work.

Thanks for all the input though. Good to see that folks who you have never met in your life, give or take a few lines of text, could care so much and offer such good advice. Thanks!