Based on advice from various financial columns, we have been closing accounts that are in good standing; the theory being,I think, that any open account is considered potential credit. But from reading here it seems that an open account with a low balance is good for the debt ratio, which makes sense too. So, the question I set out to answer 3 or so hours ago is, how many open cc accounts is healthy and how many is too many? And if it doesn't matter, then why are "experts" always telling us to close accounts? And thanks for reading this windbag post. I look forward to your thoughts on this and I promise less wind and more content in the future.