While it is true lenders would like for you to close credit cards before applying for a mortgage ,, as they think that will prevent you from running up credit card debt leaving you less able to pay your new mortgage,, Closing them rarely has the desired effect ... Plenty of home buyers have found that out the hard way ... They'd transfer balances onto a couple cards with low interest rates then close the old cards ... And then get killed on their FICO scores ... Part of your credit score is your revolving credit utilization,, (that's the amount you are carrying on your credit cards vs your total credit available from all your reported cards .) So,, If you are carrying any balances and you close a card, your revolving utilization will go up even if your balance decreased or stayed the same as you have less available revolving credit , and FICO scoring doesn't like high revolving utilization,, Depending on your credit,, and I'm figuring your credit file is rather thin as you are only 24,, closing any cards in an attempt to raise your credit score if you are carrying high balances is (will be) a BAD move ... The cards you should close are ones that don't report to the credit bureau's, since the credit bureau's don't factor those in your scores anyway,, , then you'll be ok,, The best way to tweak your credit scores prior to applying for a mortgage is to pay off your credit cards or pay down the balances as much as you can ... then you can evaluate closing cards,,, Good luck .. .