Credit-card cleanup

An article over at Bankrate discusses closing credit cards. I've always had the habit of getting my credit-report periodically and closing all of the cards I rarely use. (This is even easier now that you can get your credit reports for free, which you should do anyway to check for accuracy.) It also discusses -- this part was new to me -- when you shouldn't close cards. Apparently lenders like to see a low ratio of debt to available credit, so having open cards with low balances is actually helpful to your credit scoring.