Up until about 1 year ago, I've never had a credit card. About 1 year ago, I piggy backed on my wife's credit card from Target. Since having purchased my first home under my name, I recently just got two. One is from Bloomingdales and I used it for $140 with a credit limit of $500. The other was a Home Depot and I've charged $2500 on a $3000 credit limit with no payments for the next 6 months. My question is more along these lines. I do have the money to pay both off, but would it be recommened that I do pay both off completely and maybe possibly just cancel the cards? Or keep them so, I'm assuming, that my credit keeps climbing higher?