<human>: Hi All,

About 2 months ago I completely paid off my credit card debt (~8.5k) and now I have 3 credit cards open.  I was thinking about closing them because I'd like to ultimately have one credit card, with a high limit as an emergency.  The problem is the biggest limit on one of the cards I have is 8k, but a 30% interest rate.  Explained more below:

* CC#1: 1FBUSA - PAID OFF - 8K Limit - 30% Rate
* CC#2: Chase Slate - PAID OFF - 1.2K Limit - 8.24% Rate
* CC#3: Capital One - PAID OFF - 1.75K Limit - 13.9% Rate
* FICO Credit Score: 826 (as of today)

So, you'll notice that whopping 30% on that one card.  This was one I used in college and it has a non-negotiable rate so I want to get rid of it.  However, it has the most money to fall back on in case of an emergency. I really want to cancel this card, but I'm afraid it'll hurt my score.  Ultimately, as I mentioned above, I want to have 1 card with at least 10K and good cash back bonuses, but first I don't know if I should close these or not, or just apply for a new one? The rates seems very high even for my secondary cards.

Can you give me the gist of the text in a nutshell?
<bot>: I have 3 open cards (8.24%, 13.9%, 30% rate) paid off and want to eventually have one low rate card - what do I do?