So i recently had two cards closed for inactivity, and one for late payments due to wedding stress & not paying attention. A lesson learned!! Now I'm only left with one and the usage is disproportionate to what it was before. My husband and I are planning to buy a house in the next year or two, so I want my credit to look at least presentable by then. My credit score is pretty average right now (640 - 670 range) and I honestly don't care for rewards or free miles, etc. Just a reasonable interest rate if possible.