<prompt> Human: I have three credit cards but I only use one of them. I have never used my Citi Visa or Macys Amex for over two years. Since I never use them, Im thinking of closing them both and getting a Chase Sapphire or something with better rewards.If I close the cards at around the same time, will this hurt my credit score? If I dont close them, Im concerned that not using them will hurt my credit as well.  <response>: When the bank that issues your main card has a data breach or even a suspected data breach and cancels and replaces your card, you may be glad you have a backup card from another issuer until you get your new card. Its happened to me a few times. 