<prompt> Human: So Ive been listening to Daves podcast for couple of months. Mostly debt free other than my car. I keep hearing him tell people to close all their credit accounts. I dont know if I agree with this. I feel like credit is more important than cash in the United States of America. If you go to buy a car, rent an apartment, or buy a home. They will make their decision based on your credit. If they do approve you, youre going to get higher interest rates. Hell, when my credit was bad I went to buy a phone with cash and they raised the price by 100 because of my poor credit. What do you guys think about this topic? Should I improve my credit and keep my accounts open?  <response>: I agree with you, I would not take that advice. 