<prompt> Human: I started establishing, and repairing my credit about the middle of 2014. I have a about 6 credit cards, and I am at 80 utilization. With my upcoming tax return i plan on paying the majority of my cards down. Two of the cards have high interest rates 28 and do not offer an auto pay on their website.My question is, should i keep the cards one of them is my oldest card and run the risk of them falling off due to non use once i pay them off, or use them lightly and run the risk of not paying them on time. Is it worth the peace of mind vs the score hit i would take? I know this is easily solved by me just paying attention and paying them on time i have been late once, but i much prefer to drop these cards and stick with ones with auto pay.Thank you for any advice offered.  <response>: Keep them open and just dont use them. Most banks will keep the account open for about 5 years even without any activity. 