If you notice an unexpected change to your credit score, don’t panic—it’s probably not because you’ve been accidentally neglecting to pay your cell phone bill or an anonymous benefactor paid off your mortgage
While cutting up credit cards might make us feel more on top of our finances, it's not necessarily therapeutic for your credit score. Even cards that you don't use anymore and carry sky-high interest rates can help your credit score.
When you say you want credit, you are probably asking for payment terms on a purchase. You are seeking to purchase goods or services today and forego all or a portion of the payment until a later date.