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Do you have credit cards you haven't used in ages and have no intent of using?  Should you close those accounts?  Check out what US News says about the pros and cons of closing them in 2014.  http://money.usnews.com/money/blogs/my-money/2014/06/12/the-dos-and-donts-of-closing-credit-cards   Also, Experian, one of the three major credit bureaus along with Equifax and TransUnion, has a piece from last year about the effect on your credit score, if that is of concern to you.  It is at http://www.experian.com/blogs/ask-experian/2013/06/05/why-closing-a-credit-card-can-hurt-your-credit-scores/ 

I like to use one card for personal use and one for business, and have a back up for personal use in the event my primary card is stolen or lost and I need something just briefly until my replacement card arrives.  More than that is just clutter to me, but we all have different situations, so be sure to research what is best for YOU before taking action.  

 


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