closing cc accounts

[bellessima]

Should one just close their cc acounts if they are unable to pay...is there any advantage to closing cc accounts?
merci

[treehugger1]

I never closed any of my accounts. The unsecured creditors did that for me. If you hope to "protect" your credit, I don't think it makes much difference if you will default or breach contract. The default and chargeoff looks bad on your credit, no matter what.