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I only use two credit cards. One is from my main brokerage account (low interest rate; I'm not sure what it is, since I pay it off every month). The other is from my local bank; it allows me to withdraw cash from their ATM, without a fee. Like the other, I pay it off whenever necessary (I seldom use cash).

I also have a Target card, which I got to obtain a 10% discount on a Target purchase. I never use this card. I also have an card. Ditto.

Is it harmful to my credit to carry these inactive cards? Should I destroy them? Should I contact the issuers, and formally inactivate them?

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