Hiya, I have 2 credit cards which I have had for a few years now. One since 2014 and one since 2016, both credit builders. The one since 2014 is Vanquis and has a 0 balance, the other one Capital one card which has a balance on, and I use slightly more often. Im thinking of closing the latter when I have paid it in full, because I feel like essentially the more credit cards I have the more I pay out every month (regardless of whether paid in full or not). Has anyone closed their credit card/s for this reason, and is there really a need to have more than 1? When essentially you are essentially paying more money out having more than 1?