I was just reading this and I wondered what I should do because I’m trying to improve my credit score as well as get a credit card with cash back on it. I have a 764. I have a Macy’s card I never use which I’ve had for maybe five years, a Chase card I finally paid off, and the Barclaycard which I got when I bought my Mac but I didn’t really know I said yes to it. When I found out that I could only get a $500 limit on it, I decided to put it on a different card that I had a higher limit on it and I never used the Barclaycard. When ordering my credit report after your suggestion, I realized that it was on my report. My question is, can I close the Barclaycard, the Chase card, and the Macy’s without having it ding my credit, or should I keep them open? I read your article about that. I don’t tend to put much on my credit card, because I’m paying off some debt (less than $5000) on a card at the moment. I definitely don’t want to get into more debt but if I’m going to use credit and then pay it off, I’d like to get a card where I get cash back. Do you have thoughts on this, or other articles you wrote that address this?

Thanks for your help!
Melissa