You don't think he should be going Dave Ramsey?
I hate telling people to completely avoid credit because its so important in today's financial realm.
But someone like this poster shouldn't be in this game at this point in their life. Missing payments, paying interest, paying late fees, paying annual fees. This game's not for them.
The fact that UR's can be cashed out for statement credits at $0.01/each and this hasn't been done yet is all you need to know. Worrying about the value of points towards first class airfare instead of using them against debt. And now they're gone and can't be used for anything.