Slightly OT, but when one retires (although it may be too late for @Goldie28) it is often a smart thing to keep credit card accounts open, used or not, especially if they are no fee types. The difficulty of any retired person to get one, regardless of wealth or balances in accounts has been discussed and it is not pretty.
In essence card issuers will only look at documented regular income, that often omits account based super pensions, only defined benefit pensions at best, and sometimes only accepts actual working for wages income for approval.
At the end of the day they can be a convenience, not a necessity, something to consider.
