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This will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.It will impact your credit score but the potential result is negligible, and therefore it is not worth paying annual fees or dues simply to maintain an open line of credit. Maintaining a card that has no activity is essentially pointless.his will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.
If you have five open credit card accounts with a total available credit line of $50,000 and an outstanding balance across all five credit cards of $10,000, your credit utilization ratio is 20 percent. Let's say you then choose to cancel two of your credit cards, dropping your total available credit line to $25,000.You would also be increasing your credit utilization ratio to 40 percent, and potentially lowering your credit score. Another argument against canceling a credit card has to do with age.or many cardholders, the decision to cancel a credit card or two they don't use anymore seems like a no-brainer, at least until they hear what many financial experts have to say. Often, these experts suggest it is a bad idea for consumers to cancel an existing credit card account.