I have 3 credit cards 2 of which now have zero balance on them and i do not use. I have been told different stories about whether I should cancel the cards i dont’ use or not and how that will impact my credit rating. On one hand i’m told having a large amount of unused credit is bad when looking at applying for future credit. On the other hand i’m told that if you cancel a credit card that can negatively impact your credit rating. I’m a bit confused what to do as I don’t use these credit cards so i don’t need the credit they afford me however i don’t see a reason to get rid of that credit unless its going to negatively impact me in the future as it may come in handy in an emergency.