Adam, The perfect mix of credit types to have remains a mystery. I can't tell you exactly how many retail versus non-retail cards to have, or how many revolving versus installment accounts should appear on your credit report. That answer varies for each person based on their overall credit situation. Some people have a near perfect score and only have one or two credit cards, and others who have a dozen or more cards might also have a great score. Just be sure not to close too many lines of credit and damage your low overall utilization rate. Also, you never know when you might need to depend on cards you haven't used in awhile. If you're really wanting to cancel some of your cards, make sure they are paid off in full first, and that they aren't your oldest cards. Canceling cards you've had from your early days of establishing your credit will hurt your score, because it shortens your average "credit age."