Yes, keep some open credit cards even if you have paid them off in full...I learned the hard way...paid off my car, sold my house and closed all my credit cards. It was like starting all over again. Now, I keep two unsecured credit cards open, spend a little now and then pay it off again. Still driving 10 year old car with no debt. Putting car payment into savings so when my little beauty costs more to fix then it is worth, I will be able to purchase a new car without having giant debt.