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12bobcat

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i have credit cards that i do not use can i close the card and will it help my credit score

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Yes you can close cards that you do not use, and No it will not help your credit score but could very well hurt it.

I have 12 Credit Cards all paid off,   only use one and pay it off as I make purchases on it. trying to keep as close to 0 utilization as I can for a few months,  so far one month down and more to go.   Do I plan on closing any cards nope never,  will I use all of these cards in a year,  nope I won't.  

Why have them then,  well I play the Credit Game,   use a little credit here and a little credit there,  and pay it off.   Never pay intrest every.  if you look at my profile I did a test on payment history,    sent 1.25 to a few creditcards that I don't use and it showed up as payment history,   so I increased the number of payments I have made on cards I'm not using.  they end up sending me back a check 2 months later,  and do it all over again.  did my score go down no,  did it go up,  a few point not much.   your mileage may vary.

hope that helps

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The credit game involves having a large amount of credit available but using only small amounts of it at a time.  The more available credit with an excellent payment record, the higher one's credit score.  Love playing this game, which I would not have know how to play well without the advice of this site.  Read the articles and learn for yourself.

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