conversation: User (InsertRandomPun): "I have two credit cards that I utilize.  But I also have a credit account with Sleepy's and a credit account with Raymour and Flannigan from when I did financing with them several years ago.\n\nBoth accounts show up on my credit report, but the balances have been 0$ for many months.  Is it better for my credit to keep the accounts open or cancel them?"
  Self: "Store accounts are great for building credit. \n\nOnce you have credit they are pointless.   I'll take a generic Amex over any store account discount I would get for signing up.  The Amex return policies and premium rental coverage for $24.95 for a month exceeds anything a store account can give me. "
  