<prompt> Human: I currently have 3 credit cards open of which I only use 2. The third one has a very low credit limit, no membership fee and even though I have active accounts with the bank, I havent used the card in years. Is it worthwhile keeping it open? Im looking to get a card with a better reward system and was looking to close the third account, just to keep things simple. Should I just ignore the card or is there a way to close it without hurting my credit score?  <response>: I would recommend keeping it open. The fact that youve had it for a while improves your credit score and with no annual fee it wont cost you anything. Just ignore it and get something better. No point in closing the card to keep things simple - just dont use it if you want to do that. 