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How bad is it to have a lot of credit available but not used?
Ironically, the worst financial advice I read comes from "bankers." The top dozen members here can be trusted to give better advice than the average banker.  Your score is not improved by maintaining a balance, only by using the card(s) regularly. No need to carry charges month to month and pay interest, rather, have the bill reflect a 1-9% utilization.  I'd recommend Credit Karma to see how the factors affect your score. FICO scoring prefers to see a large number of accounts, low utilization, high average account age, low number of inquiries, no late payments. CK will let you see a simulated score and how it changes based on these variables.