<prompt> Human: Now my question, I now have almost 30k of open credit lines spread over 4 credit cards. 15k on from credit company 1, another 15 spread over 3 cards with credit company 2. What should I do with those cards? Should I close them, reduce them, what? Would closing hurt my credit score?I think it just feels odd to have that much open and not being used. does that put me at risk of anything?  <response>: As long as you check the statements for fraudulent charges, then there is minimal risk to you for keeping them open. If you report any fraud quickly, you are limited by law to 50 liability per card if your physical card is stolen and 0 if your card is not stolen. A lot of issuers just go with a 0 limit for everything. Its also highly unlikely that you will have any fraud if you are not carrying around and using the cards.One thing that can happen if you dont use them at all is the issuer may close the account for inactivity. This usually takes at least a year, maybe longer, or maybe never. This isnt any worse than you closing the account that I know of, but it can happen, so if you want to keep the lines open because of the age, then you should put a charge on them every once in a while and pay it off before interest accrues.In keeping them open you also have more accounts to update should you ever change your address or phone. Its easy to forget about an account you never use, and then a new card could get sent to your old address.If you want a new line of credit with one of your existing issuers, having too much existing credit with them could cause them to deny you. In that case, you may have to close or lower the limit on an existing line to open a new line or convert an existing card into a different type of card. This may happen if a bank releases a new reward card or something that is appealing to you and you already have a lot of credit with them.Id keep them open, but those are the risks that I am aware of in any case. 