@ncalb55 wrote:
Don’t ever close a credit card account. It will have a negative effect on your score.
Just remember to use the cards every once in a while (and pay off!) to make sure the issuers don't cancel them for inactivity. I had a handful close last year for just that reason, including my Barnes & Noble card, which had my longest credit history. I started using my Amazon Prime Visa for everything a while back and hadn't realized it had been over a year for the others until my credit scores started dipping.
Now we are going to buy a new home and want to raise our scores a few more points to move from good to excellent.
