It's certainly not worth keeping your current credit cards with high annual fees if you rarely use them.
Even if you only use your credit cards for emergencies, having good credit is still important. Maybe some time in the future you'll want to apply for a loan or a new job, and having a poor credit score not make you an eligible candidate for either. If you're interested in starting your road to good credit, then you can check out our Editors' Top Picks of secured credit cards as well as WalletHub's guide to building credit.
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