<prompt> Human: Ive got two unused credit cards with no balance that are in positive standing that I want to close. I mostly want to close them out of peace of mind I dont want to have to look to see if they are issuing inactivity fees or someone charges to them without me knowing. I already have a house the main reason most people care about credit score and my score was mid 700s. I realize that closing the cards will ding my score due to utilization rate but I dont care THAT much about my credit score as Im already in the highest tier that banks usually care about for loans. So anyone know how much it might ding it? 5pts? 10? More?Oh and Ill be keeping my oldest most used Credit Card.  <response>: Hmm, you could try to use CreditKarmas simulator for a rough estimate, even though theres no explicit section for closing a card other than your oldest one. 