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Week seven: Get down to one piece of plastic
Time it takes: 45 minutes

Take all the credit cards out of your wallet except one - and you'll have fewer bills, rack up more rewards and be better able to track spending. (Don't cancel the rest, as it could hurt your credit score; store them in a drawer.)

If you carry a balance, figure out which of your cards has the lowest interest rate (look on the bill). The average is now under 12%. If your best card is higher, call and request a decrease. If you pay in full, keep the card with the rewards you're most likely to use.

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Last updated June 10 2008: 9:39 AM ET
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