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Hi gang,

I have three credit cards. All three are low interest, and have no annual fee. One is my main card (the lowest APR of the three), which carries a four-figure balance that's being chipped away every month, and is the result of the consolidation of still ever-haunting debts from college.

The other two cards both carry a zero balance, and I really don't use them, but I've kept them for any unseen emergencies.

In regard to my credit rating, I've always considered that keeping these zero balance cards demonstrates my ability to be responsible with my debt.

But a friend told me that it's damaging my credit rating because it demonstrates to future prospective lenders that I have the ability to fill up two more cards with debt.

Which is true? Should I keep these zero-balance cards, or should I close the accounts?

Many thanks in advance! :)

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