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7 credit cards will only hurt your score if you don't pay them and keep high banalces on them. Many reports and people are anti credit card for the simple fact that so many people don't know how to be responsible with cards, so they go with the bad info. Great financial advisers will tell you that credit cards build your history and the longer you've had them and the longer you show you can use them responsibly shows good character.It's simple: if your not using your cards that doesn't really help you because you need to show that you can use it and pay it back, remember your trying to build trust that you can pay it back and you're reliable.Cancelling your cards can in fact hurt you, but if your not using it the creditor will eventually cancel it for u.If you want to start using the cards and being responsible and keep the balance low do this:Just use the cards to make 1 minor purchase per card, per month like gas or food (pack of gum, chips and drink) put no more than $5-10 on the cards every month so you can easily pay it back.
