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anthonyb81

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Unneeded Credit Cards
I have two credit cards that I don't use nor do I see myself using in the future. One is medical for Care Credit (not needed now since I'm military) and a store card which I don't shop at anymore. Both accounts are paid off. Should I cancel these cards or carry them forever? I don't want them to hurt my credit because they are not used.

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Right now you're benefiting from them because the available credit adds to your total available credit which helps your debt to credit ratio. I would leave them open for as long as you can (until the lender closes them). Cut them up so you can't use them and just forget about them.

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