<prompt> Human: Context: I have 4 separate credit cards each with an available credit line of 5,000, 9,000, 10,000, and 33,000 respectively totalling 57,000 in available credit. I never use my 9k 10k credit cards and was wondering if it would affect my credit to close them. These two cards have no annual fees, but I was worried that by closing them it might affect me negatively, or because of inactivity, the creditor might close the account on me which might affect me.They both carry a zero balance and have been inactive for a while. My credit score is averaged at 790 between the big-three reporting agencies and I have two mortgages that are being paid promptly. My credit utilization rate or balances between the two cards I use is around 10 3k-4k a month collectively which is paid off on time. I cant find reading material to suggest whether I should keep or close these accounts. I had plans to continue being a real estate investor and I wasnt entirely sure about how much my credit score could be affected. Im sorry if this is a dumb question. Im pretty much all self-taught and grew up uninformed and lower-middle class. Im kind of ignorant about credit cards credit I was just taught to pay it off, so any advice would help!  <response>: I have about 12 credit cards right now, but only keep 4 of them in my wallet to use regularly. For the other 8, I set a Google Calendar reminder every 6 months to reactivate them by using each to charge 1 on my Amazon gift card balance. It takes about 10 minutes of my time per year. All cards are set to auto-pay so I dont have to worry about anything else after that.Edit: the only reason I dont have separate subscriptions charges spread among most of my cards is that I prefer using whichever card allocates the most cash back, even if that is a negligible difference. For example, all charges that arent groceriesgasdining go to my Citi Double Cash since it gives me the most cash back, unless a rotating category happens to apply for the quarter. This method saves me literally thousands of cents every year. 