<prompt> Human: My wife and I have a total of three credit cards. I have one with a limit of 7000, she has one with a limit of 3000. She uses hers occasionally but not much. I never use mine. We also have one that we got once married that we both use. The limit is 8500 and we put around 1000-1500 on it a month. We put everything possible on the card so we get cash back. None of the cards carry debt. We want to buy a home in the fall. Im wondering if it would be good to close our two other credit cards that arent used, or if it would be better to keep them open. Like I said they are rarely used and Im not sure if having that open credit hurts or helps us when getting mortgage rates. Ive been told it can sometimes look bad to close a credit card. I have excellent credit and hers is good not sure if excellent, we are getting report soon.  <response>: Having more credit cards isnt bad, as having a lot revolving credit with low or no balances carried month-to-month shows youre a responsible user. I would keep them all open, especially if you have had them for more than a year.Only way I would close them is if they had an annual fee that outweighed any rewards that card has. 