<prompt> Human: I have three credit cards that I am in the process of paying off, I have learned my lesson with them, this has sucked. I was talking to a friend and told them that I am close to being paid off and am looking forward to closing the accounts. He said that would hurt my credit, and I should leave all three open; two with a zero balance and keep one at a third or less. According to him, that would be much more beneficial to my credit. Is this accurate??  <response>: Yes. Dont close them. Put a small auto bill on each then set them up to auto pay and let your credit grow. 