I have 5 credit cards that I no longer use and have carried a zero balance for 3 yrs. Should I close them? If I do, will it affect my credit score and/or my ability to secure a loan in the future (if I need a loan)? I currently have 3 active (revolving) credit cards and 2 lines of credit (overdraft accounts for my checking accounts). One of the lines of credit has a zero balance. Additionally, I have a mortgage and a car payment. Just wondering if I should close these cc accounts or just leave things be.