I'm looking to phase out a couple of cards that have lower limits, or no rewards. I want to bring them down to 0 and essentially sock-drawer them rather than close them. Of course, I realize there's a risk that a creditor could close them due to lack of usage (I'm thinking Barclays could do that). I figure I could help my chances by making 1 or 2 purchases a month and paying off, but still, there's always that chance. That said, what's the impact of a creditor closing your account with a 0 balance?