There are many FICO models. FICO 8 is less sensitive to the factor you are thinking of (number of accounts reporting a balance) than is (say) the FICO EQ mortgage score or the Bankcard enhanced flavors of FICO. So the answer to your question depends on which model you might be thinking about.
Another difficulty we'd have in answering your question is that we don't know how many open accounts you have besides those three cards. You might have a number of open loans, for example. You might have open LOCs. Etc.
PS. You have posted the same question in another thread. This is called cross-posting and is discouraged by the moderators. Just an FYI.
