Thanks to a recommendation from a member, we decided to review when to hold 'em and when to fold 'em.

Is there long-term value?
Are the benefits enough to offset the annual fee?
If not, is there a retention offer?
If no offer, is there a path to product change to preserve the credit line to help with utilization ratio
If there's no path to product change, consider closing the card as long as it’s not the oldest card
If no annual fee, little reason to close. If you’re not using them though, put a small charge on them periodically.

Links to Topics Discussed

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When to Hold 'em and When to Fold 'em