<prompt> Human: Hi rpersonafinance. Just a quick question. I have three credit cards at the moment. - A capital one card with a relatively low limit that doesnt give points and rewards. I used this initially to build my credit back up. - A credit card issued by my bank with a slightly higher limit. Got this one when my credit sucked less. - The United Mileage Plus explorer card. I use the United card exclusively. The limit is high enough for me and its the only one with points that are worthwhile to me. I pay it off every month, but use it for absolutely everything except where I have to pay cash, as I like my airline miles. Plus I fly a ton for work with United, so its got a few added benefits that are a big plus for me. Anyway, the other two cards have a zero balance. I never use them. They literally sit in a drawer in my home and are pretty much useless. Is it bad to have these lines of credit opened and unused? Should I cancel them? Thanks!  <response>: If they dont have an annual fee its fine to keep them open. 