Quote: Originally Posted by Janet I'm not an expert, but I think that paying ALL of your bills on time, every months, for years on end, will have more of an effect on your credit score than if you have 40K available credit versus $50K. Why not pare down to about half as many cards, and you'll still have plenty of long-standing relationship ones for your credit score. I know I might be going against the grain, but I just don't think it will make or break your credit worthiness in the future. That's what I was going to say, the big factor is your actual credit history of paying off any debt. I think the open cards may impact slightly, but not enough to worry about it too much. Again - not a professional here! lol