<prompt> Human: I have a few open credit cards currently that I dont use anymore. While I dont really care I have them, some of them have an AF which Id like to get rid of, its just a waste of money. Is there any benefitsnegatives that can come from this? I know that I would be lowering my total credit but how bad of an issue is this when I already stay below 5 utilization?  <response>: Not a big issue, dump em, annual fees for no benefit is wasted money. But dont just cancel, first call and ask if you can convert them to a no annual fee card without a hard pull. Now if you are on the hairy edge of some credit score needed for a home loan that is coming up, it might be different. But if your score is already goodexcellent and you arent planning on borrowing money any time soon it will be a non-issue. 