<prompt> Human: I plan on only using one from now on in case of emergencies to avoid going back in debt. My question is, from a credit score standpoint, does it make a difference whether I keep the other two and just leave the balances at zero or should I cancel them and close them out? I have heard if you cancel a credit card after only a short period from the time that you opened it that it hurts your credit.  <response>: If you close them your score will likely drop because you will lower your available credit, as well as increase your credit usage should you ever need to charge anything on the one you intend to keep using. Just throw the ones you arent going to use in your safefiling cabinetetc and dont use them. 