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Though, did edge up just a little bit. just a little bit. in case you re wondering, it s $4,964 right now. that is up a little bit, but it is down sharply from the third quarter in 2011, down 11%. so over the past year, that s an amazing amount of debt that the american people are paying off. it is a huge credit purge in this country. people are paying down their debts either because they want to or because they re being forced to. either way it s a good thing. it s a good thing. we cannot carry this much debt. we cannot. sounds so un-american. paying down your debt. question for you, you say people are cutting up their credit cards? yes. is it okay to cut it up but not cancel it because that affects your credit rate sng. yes, now you can cut up your credit card and not cancel it. if you re not going to borrow money in the next 6 to 12 months, don t worry about closing out a credit card and ....