Closing credit cards will never help your credit score. The question is if closing accounts will hurt your credit score.
your credit could be hurt by a closed account is if you're closing your only credit card. FICO credit scores consider your mix of credit types; the more diverse, the better for your score. Mix of credit contributes 10 percent to your overall credit score.
So, if you close your only credit card account, then you're left with less diverse open accounts. Once that account falls off your credit report in 10 years, then you're left with no credit card account.
