<prompt> Human: I have acquired some settlement money from a tax dispute I had with my company. The amount is sufficient to clear my 3 credit card balance.Below is the table of my 3 credit cards now, and Barclays and bank of America is closed. The only one active is discover. I am in the process of building my credit I fall under poor category according to FICO now.Questions:1. Should I go ahead and close all 3 credit card accounts at one shot today?2. Should I clear the ones that are already closed right away?3. Will clearing all debts at once affect my credit score positively or negatively? If positive will it bump it by a huge factor?4. is there a chance to clear these accounts with a lower amount; if I talk with the banks for an immediate settlement at a lower amount and still not have my credit score affected ?Card current_balance total_credit_line interest_rate activeclosed---------------discover 3,742.32 4000.00 23.49 activeBarclays 1,774.90 2000.00 28.49 closedbank of America 1,326.66 1,000.00 20.49 closedAssistant: Definitely pay off that discover card. The interest youre paying on that is ridiculous lolHuman: But see thats the tricky part, shouldnt one have atleast 1 credit card open if they have to regularly ramp their credit score? The other 2 cards barclays and bank of america are already closed. Discover is the only one.  <response>: You can pay off a card and not use it. Carrying a balance on a card to increase your credit score is a myth. 