Should I close my inactive credit card account?
I currently have three store cards (two are inactive), a credit/debit card through my bank (doesn't appear on my credit report), a Mastercard, a USAA Amex card, and I have been an authorized user on a card of my parents' for like ten years. My credit score was 792 last year when I was approved for a loan for my condo (no late payments). I also have a student loan as well that I have been paying for six years (no late payments). I use my Mastercard and Amex card every month and pay both in full. I use my one active store card maybe eight months of the year and always pay it in full.
I have been considering closing one of my store accounts (not associated with Visa or MC, just a store card) b/c it is for a store I only go to when I am visiting family. I have heard that closing accounts will count against me, but I am not so sure about this one since it is already inactive. Should I close it or leave it open? I haven't used it in four years.