<prompt> Human: I noticed my credit score jumped about 20 points since September which is great! but I realized I have about 14k in credit for my name. In all I have a UPromise master card, 2 chase visa one freedom one amazon, a Good Year card, Kohls card, and Bill Me Later credit.All these cards are paid in full when used however I am not certain if this is too much or if I should just keep the card and bury within my sock drawer lol. I heard that keeping a line of credit open is good even if you dont use it but I feel like its a bit much.  <response>: Ill echo what others are saying: 14K is actually pretty small as a credit limit. I have individual cards with more credit than that.Your credit rating is, in part, determined by the percentage of your available credit used. I carry no balances though I used my primary card aggressively for the rewards, so the percentage of my credit in use at any given time is negligible - a plus to my credit rating my FICO score is almost perfect. That can pay off for you later when you need a loan such as for a mortgage by helping you qualify for lower rates. 