<prompt> Human: I currently have 2 cards. One with 0 balance and open for 4 years and another with a small balance and open for one year. Will closing these cards and opening a new one hurt my credit? My credit score is pretty high, mid 700s. These cards also have incredibly high limits, total about half my yearly income. The reason im looking to open a new card is that my health insurance bills all at once per year, no way around it. We can pay it off in 10months, but not immediately. If we open a new card the apr is 0 while we have the debt and will be blank by the time it ends.Is this a good idea to do, or put it on a current card and eat 12.99-15.99 interest?Assistant: Closing the cards will hurt your credit. Just open the new one and leave the old ones open. No reason not to unless they have an annual fee.Human: None of the cards have annual fees. Its just weird to have so much credit immediately available.  <response>: thats not even that much. I think im pushing 3x my annual salary. But then again I churn and have like 30 accounts. 