<prompt> Human: Basically I have too many credit cards, mostly because they had special financing offers at retail store. I have too many to keep up with now and I dont know whether to close the accounts or just leave them sit with no balance. A couple have annual fees.  <response>: For the cards with annual fees, call up their customer service and ask to do a product change to a card without a fee or see if they will waive the fee permanently. If there is no option to do that, then cancel the card. 