<prompt> Human: No matter how much I read, there is so much conflicting information. Please help shed some light:Im 27. I got a credit card through my dad about 2 years ago to build my credit because no one would give me a card. I now have 5 cards plus a line of credit. It totally got away from me but the rewards were like WOOHOO! I have a balance on just 2 and they are both under 1,000. I want to close all but one card. My credit score at current is 750. How bad of a hit will I take for closing all but one of them?? I think my total credit line in aggregate is 30,000. This is terrifying to me. Assistant: Why close them? Just leave them open and make small purchases and pay them off each month to build credit. Do they have a yearly fee?Human: Too many to keep track of? One has a yearly fee, unfortunately thats the one I want to keep because its the one with the best perkshighest limit.  <response>: No offense, but it takes 10 minutes to check them all once a month. 