> That likely affects your credit rating and rates you will get offered in the future. Even if you stop using the card it is still an active account and will be a part of your credit.

It's not clear if you mean it will affect my credit rating in a positive or negative way, but I'm doing alright in that regard. My FICO hangs around 800. My average age of accounts is 5y 11m. My oldest account is 25y 10m. I have zero issues opening new credit cards, except I have to watch the velocity with Chase because of their 5/24 rule.

I've been opening new cards regularly for at least a decade, but much more often in the last several years.