Hard inquiries and new credit slightly decreases your FICO. If you are planning obtaining major credit in the near future (less than a year), it is wise to avoid any unnecessary activity. You should also check if your insurance is based on your FICO. Otherwise, a 20-30 point difference is unlikely to cause any serious problem. The highest amount used on an account gives the used/available ratio for the account. The last credit report I received noted the desired ratio was less than 20%. Since you do not carry a balance, if the credit card companies raise your interest rate based on a ratio of a different card it is irrelavent. When you do not pay interest, the rate does not matter. A maxed out card also slightly decreases your FICO. Not an major issue unless you are in the market for a mortgage. Keeping 2-4 cards is sufficient history. I would keep one of the older cards, then eliminate at least for of the inactive accounts. Debra
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