Yes, ryland, you're entirely correct. I wasn't clear in my recommendation about closing accounts with $0 balances. I was putting it out there for Marie and others who do not have the benefit of extended credit experience/histories. It is good to have a couple accounts with $0 balances that are open. You have a "safety net" to fall back upon in an emergency. I have 2 such accounts (make sure that there are no "maintenance" fees that automatically get billed to the account that you might overlook paying in a timely manner) that provide about 3 months of gross salary coverage. But as you say, 5 or more such accounts is not good, as banks will look at you as if you're living off your credit cards and not within your means. It goes back to my earlier comment about Utilization/Obligation ratio.
And closing accounts and then opening new ones also doesn't look good for the debtor, either.
i don't think they really care how many zero balance open accounts you have. i think are more interested in how much available credit (i.e., potential debt) you have.