Instructions: You are given a passage. You need to construct a question about the information present in the passage. Construct a question in such a way that (i) it is unambiguous, (ii) its answer is the whole paragraph. Avoid creating questions that can be answered correctly without actually understanding the paragraph.
Input: It may actually hurt you FICO score.

One part of the score is the amount of credit used versus the amount of credit available. So, let's take a look at an example:

$200 total credit available
$175 total credit used
Ratio of 0.875 (high)

$5000 total credit available
$1000 total credit used
Ration of 0.2 (relatively low)

The bottom ration of 0.2 is more ideal. Credit companies have found that the higher the ratio a person has (they get credit and max it out), the less likely they will pay it off.

Of course some store credit cards do not report to the credit bureaua unless you go to collections. So it doesn't matter what you do with them as long as you don't stop paying them.

It's best to just hold on to them. You might even consider having the credit limit taken up (but don't max them out). It's not how much of a limit you have that's important to the credit companies, it how much of it you're using.

Also you may want to consider the fact that although your credit score may not be affected very much if you cancel your card, if the store reports to the credit bureau, other companies will see that you canceled a card. To other companies, this means if they give you credit, you're likely to just cancel it. Meaning you may be more of a hassle than you're worth.

Hope this helps.
Output:
Does cancelling store credit cards help or hurt your credit score?