Some cards I close. If there's an annual fee, I weigh the benefits each year. If the benefits don't justify the fee, I try to get the fee waived. Failing tha

Some cards I close. If there's an annual fee, I weigh the benefits each year. If the benefits don't justify the fee, I try to get the fee waived. Failing that, I cancel. OTOH cards with no fee get tossed in a drawer. I have 5 no-fee Citi Hilton cards just sitting in my file cabinet.