I have a bunch of credit cards that I never use and never intend to use.  Some are store cards, while others are cards with the major companies.  I have three cards I use because of their rewards/low rates, yet I must have at least 10 cards total.  I'd love to close down the other cards yet worry this will hurt my credit score.  Any advice?

Ahh, The age old question. I believe it depends on if you cary a balance on them or not.  My understanding is:

High Total Available Credit = Bad
High Percentage of Credit Used vs Available = Bad

By closing your cards your total available credit will go down which is good, but your percentage of available credit being used will go up which is bad. 

If you don't have much of a balance on these cards I'd close them to get your available credit down, but if you do carry a large balance I'd keep them open.

I have three cards that I do not use but keep them anyway for a worst case scenario. I am not sure if this is the wisest move to make or not though.

If what I understand about the FICO algorithym is correct, you can't hurt your credit score by keeping them open but you can hurt your score by closing them. Jeremy hit the nail on the head with his post. Credit scoring is a strange world and almost always what is touted as good is really bad and vice versa.

I have ten credit cards and only use 2. I wouldn't close the others because of the high credit limit. Every once in awhile I'll use one of them so the issuer doesn't close the account.

Why would I do that? Simple, I have a ready source from which to borrow should an emergency arise. The financial advice of opening an emergency fund is sound. However if you don't have a lot of extra dollars to toss into that fund, it doesn't do much good.

On the other hand, if you have large unused credit limits, you have an instant large emergency fund upon which to draw should the need arise. Having used it in the past, I can say first hand thank God for large credit limits.

I am not advocating opening a ton of credit cards. I'm saying if you already have them and are disciplined with the way you use them they can serve a very useful alternative purpose.

Remember, it isn't the card that causes the financial problems. It is how you and I use the cards we have.

OK, that's my 2??.

I suggest that you deduct your card from 10 to 4 or 5 because to 10 is very much quite very plenty.