My Bank of America Visa card finally has a $0 balance. The feeling is GREAT! I've had a $500 balance on this card for the past year and I've always tried to pay it off, but never had the chance. The way I achieved paying it off is by keeping the card locked up in a safe, literally. That is the only way to keep me from spending away and making impulse purchases. It is now my designated emergency card. 2 more credit cards hopefully should be paid off before Dec 31st. Pay off your balances cause the feeling is priceless.