I've always felt that using credit cards and then paying installments is just plain crazy....especially with their extremely high interest rates. I can understand buying large items with a loan (house, car, rv, etc), but if you can't pay cash for something small, you shouldn't be buying it.
I agree, using a credit card makes buying simple as you don't have to carry around large amounts of cash and the purchase is always protected. However, we use our credit cards on a monthly basis and ALWAYS pay in full the day the statement is issued.
Pay off those cards.
Don't use them as a loan.....which IMO, is a really bad practice.
Ron