<prompt> Human: Sorry if my post is brief or dumb. Im at work and really dont know anything about credit other than I had a credit score of 777 three years ago when I got my card, and havent missed any bills since. I have a credit card at 0, another at 100, and another at 1400. I would like to combine them so I only have to remember one payment a month and get rid of the card with 0. I bank with Chase. Is this a smart thing to do?Assistant: Per-card utilization factors into scores, so dumping all of it on one card may slightly decrease your score if it raises you above 30 utilization on any single card. Also, mentioned before balance transfers cost money and paying off the 100 balance shouldnt be too hard. Also, you didnt mention how you accumulated said debt, but perhaps try harder to avoid spending money you dont have.Human: I have the money. Paying them off isnt a problem. I was just looking to have 1 bill due a month instead of 3, and avoid having unused cards on my account.  <response>: Having open but unused cards isnt a bad thing in terms of your credit score.If you have the money, just pay off the 100 today and instantly you only have 1 bill due without any further action. 