Should you keep lots of unused credit cards in your wallet because you have simply no use for them? You may already use a number of cards, perhaps those that give special discounts or privileges.
A zero balance on your credit card won't hurt your FICO score. (The FICO is a copyrighted score that is used by about 90% of the largest banks for their credit decisions.)
Closing an account could hurt your credit standing. If you continue not to use the card, the bank may cancel it, or charge for it due to inactivity.
Your balance-to-limit ratio, may increase as a result of closing the account. That may also cause a decline in your credit score.
What to do? Try occasionally using little-used cards, even semi-annually, to prevent closure by banks. That could help your credit score. Use that card to make small purchases. Be sure to pay any balances off each month.
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