Should I close my credit card?

having 2 cards does not hurt anything-hang on to them as long as your are not paying a monthly or yearly charge.Call the credit company and have them lower your max limit.If you ever need to charge over the limit you can call them while at store to authorize an increase.

the only other thing is you need to make small charges on card once in a blue moon to keep account active.Charge something you know you can pay back that next billing cycle-they will cancel card after being dormant for a long period of time

Closing accounts does affect your score-good or bad no one can tell you that. I can't answer definitely nor can most people since we don't work for FICO and FICO doesn't let out their exact formulas to the public, but I do know that closing accounts will affect your score. Good or bad, again who knows. Most likely adversely if the accounts are older. If you are planning to buy I would consult a mortgage broker or your bank to find out what they think is the best thing to do, but keep in mind they can't know for sure what will happen either, but they can give you opinions. You say you have no balances on any cards and excellent score, why are you tired of taking care of them-what's to take care of if there is no balance? If you feel you MUST close accounts, I would recommend closing the NEWEST accounts, since that won't affect your length of history. Length of time is more important than how many accounts. As long as you have a good mix of credit accounts, ie credit, charge, installment loans and revolving accounts your history would still be stellar with an 820 score. Other recommendation would be just put them in a lock box until after you buy your house and then you can close them without it mattering much. Best of luck!

If you have a good credit score leave well enough alone.

Take the credit card which you do not use and put it in a safe place - for emergencies etc.

Closing the account will lower your ratio of credit used to available credit and will lower your score. If you are afraid of the temptation give the card to your parents to hold.

Are you certain that the cards, any of them, have no annual fees or charges for lack of use?

It sounds like you are doing good with your credit. You should keep the card open. It is helping your score because of the amount of time it has been active & the balance keeps your debt to income low.

don't close your credit cards, because the longer you have a credit card with history the higher your score will be, if you close it you lost your history and the score will go down a lot.

You're probably better off leaving it open and NOT closing it. It can help with debt-to-credit-used ratio.

Check this out...

http://www.e-wisdom.com/credit-cards/apply-for-a-c...