<prompt> Human: We have two open credit cards that were maxed, that now have open lines of credit one at 22,000 and the other at 19,000.Yeah, I now have 41,000 of open credit.I am not sure what to do with these cards. How much will my credit be impacted if I close both accounts?We have one other card that we do pay off every month - Costco Visa, that has a 12,000 line of credit.  <response>: Why not leave them open and just cut them up? Keeps your utilization low no matter what and keeps your average age of credit longer. This is obviously not the real issue here though... 