<prompt> Human: I have 7 unsecured credit cards and my oldest account is about 8 years old. I pay them all off in full every month. With 60,000 available credit to me total I never use more than 2 of my total credit limit. Theres 3 cards I havent used in years and dont intend to. I got them just for a 0 BT, paid them off and never used them again. However, if I close them out itll decrease my available credit by 23,000 hence increasing my credit utilization percentage. I dont pay an annual fee on any of them and my credit score trends between 765-785. Is there any benefit for me to close out my unused credit cards? Or should I just leave them in my dresser and continue to not use them?  <response>: Maybe product change them to something useful? I changed my useless garbage Chase Slate to a nice and shiny Freedom Unlimited. 