Caprisha

I tried that and sat on credit cards with zero balances. All of a sudden I started getting notices in the mail that the creditors were closing my accounts for non-use. I think the best option is to use something on the card at least every other month and just pay it off each time in full.

I had a similar situation. I chose to close 2 of my oldest accounts b/c the annual fees were not worth it. On one, I only had a credit limit of $650 and was paying $6 month service fee, PLUS an $89 annual fee! 1t was Capital One and the other was First Premier. I had them since college but the rates were ridiculous! So I closed them both. My score may have dropped (like 30 points), but it was nothing too massive! My score has been increasing back up every month that I maintain a healthy credit history and pay other accounts down.
I feel, in the long run, I saved paying over $100 a year for credit cards not even worth it, with no benefits for using them.

I have credit card limit of 10k with bank of america and about 3000 total on others. And over 50% usage, which reduces the score a bit. Still, my credit score with Experian is 730, but only 685 here on Credit Karma.

Chase rejected me as well and my score is 680! I was rejected by them when my score was 705! And I have nothing on my report except a couple of late pays on credit cards that were paid off 5 years ago!! I still have a lot of current credit, but it is all on my report showing paid off, or paying on time so I don't know what their problem is. Chase looks for AAA credit customers and shouldn't be on this site unless the person has like a 900 score or something!