To make life simple, I would like to eventually scale back to the two bank cards I use most, plus Sears (for special sales). I am thinking of just not using the other two cards and eventually canceling them (but not now). I don't want to use a card twice a year just to keep it "active." Then I would be down to one Mastercard, AMEX, and Sears. I only really use Mastercard and AMEX, plus Sears occasionally. How would this affect my credit rating and FICO? Are two bank cards plus one store card enough? Or do I have to keep the other two going forever?