Some of the cards seem to be names that I'm now finding out aren't very good Providian, First USA and NextCard. Are there ramifications for closing accounts I haven't used or only used once? Also what are these "inquiries" I've been reading about here, and what is "FICO". All information anyone can provide me on being a good credit consumer I'd appreciate. I've been using credit cards for the past year and always pay my balances off in full. What assistance can anyone offer.