IMO you have too many accounts. If you dont plan to use those store cards close them. Now why do you have 3 credit cards? Makes more sense to just to keep the credit card with the longest account history (hopefully its your favorite card) and take the biggest credit limit that you can. Now just to be clear, doing all this will hurt your credit in the short term... But its gonna boost you BIG in the long term. Just take a hit for the team for now unless you're planning on a big purchase (house, or house, or did I mention house?) within the next 1-3 years. If thats not the case however. Close them and simplify your life and improve your credit score.
