I need advise whether or not I should get rid of lower limit credit cards I own. I mean these are small credit cards and I want to know if they get any useful rewards as such.

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Well, I'd like to ask you whether or not there's any annual fee on these credit cards? If there isn't any, then I don't see any harm in keeping them. Keeping them open means you wouldn't really climb over the 20 percent UTL. Moreover, if you feel you've got too many cards, then you might as well close a few.

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