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The Moneyist: How do I cancel 10 credit cards without damaging my credit score?

Dear Moneyist,

I became ill suddenly and had to retire at 62. When I was divorced at 45 I had nothing. I re-grouped, saved, saved and saved, put two children through college and rose through the ranks at work.

When I retired, I had two years of expenses in an emergency fund (it is still there), zero credit-card debt and have lived very frugally on my small pension and Social Security Insurance since then. When I was making six figures at work, I took out credit cards to get miles, rewards etc. I have quite a few. Because I am not using them, I am getting annual fees (I have about 10).

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