<prompt> Human: After six long years of extra jobs and creating websites that make a lil money, we saved over six years and paid off all of our credit cards at once today. Our cars are paid for , only debt left now is mortgage.We are now working on an emergency fund.Would it hurt our credit score if we closed all but one credit card ? Or would it help our score to leave them open ? We put all the cards in the safe and have an agreement to never touch them. Four are retail cards, four are regular credit cards with high interest and annual fees.  <response>: The retail store cards doesnt matter as much imho than the visadiscmcamex.I would close the four retail cards.I would call the cards that have an af and see if u can switch it to one that doesnt have it before closing...theyre usually accommodating with product changes.I would still keep the card away and not in usage, like youve done before with one key difference. Find a bill cell phone for example and have it auto paid from one of the cc. Have that cc set up for alerts so any 1 purchase, you get a text. Set up your bank to autopay that cc.3 reasons, 1, to keep the account openif you dont use it, after a period of inactivity, the issuer may close it2, generates pointscash for something youd have to pay for anyways.3, the alerts keep you in the loop about any potential fraud charges that may happen...even if the card is locked up..and its a good reminder that youve spent x this month so far.Find a different bill for each card. Im pretty sure you can find one bill per the four cards you have. 