<prompt> Human: I have a friend with 7 credit cards. He uses none of them, he is debt free, his credit score kinda sucks 680ish from bad behavior many years ago, what does he do with the cards? Does he close them? Does he keep them and throw a little on each one each month? Is it possible to close a credit card without hurting your credit score?  <response>: Never close the oldest card. I know that having multiple lines can effect your site, but it has a very little effect. If he doesnt use them, close out a few. Keep ones that have good rewards 