I tried to apply for a credit card?

to transfer my balance of $1,000 because my apr is so high but i got denied from 2 places because i have to much debt woth other cards i have old navy target gap which all together is about $600 i also have a victoria secret that i have never used before im gunna cut those up and pay them off so my question is should i leave them open or should i close the accounts cause i heard having credit cards but not using them will higher my credit score i was just wondering what should i do keep them open and not use them or close the account

I tried to apply for a credit card?

Leave them open. 35% of your credit score is based on payment history.

As long as they are showing $0 balance it will not hurt your score. Score is based on how you use/pay your debt and your debt to income ratio.

I tried to apply for a credit card?

I talked to a money counselor for a free consultation. I learned a lot. Everyone%26#039;s situation is different. Get some good advice.

I tried to apply for a credit card?

Pay them off and close them because you need a fresh start. Keeping cards open that are in GOOD STANDING boost your credit score.

In the mean time, register on this site to make the money to pay off those cards.

http://goldaffiliateprogram.com/signup/C...

I tried to apply for a credit card?

Keep open, but don%26#039;t use. Don%26#039;t carry them in your purse either, it%26#039;s to tempting.

I work at a car dealership and we run credit reports on just about everyone. When you have a lot of credit accounts open, but no debt, it looks a lot better on your score.

I tried to apply for a credit card?

I think you should look into talking to Dave Ramsey... He is a great financial guru... I think his website is daveramsey.com, he has a radio show, and also gives advice on this sort of thing....