? about raising or lowering your credit score

Thanks for all the great info guys.i have always payed my bills on time etc.just had to many open at one time. I used to have a 740 score but got hooked on how easy it was for me to get a card.my score now is only 630.also sense I sold my race car and my cat trackloader I no longer needed my 2011 ram 3500 dully truck. So I traded it in on a single wheel truck. Found out before I payed a bunch of my cards off, that my debit to income ratio is 68 percent. My credit union said they like to only see it at 50 percent. I got the truck but they said when I get my credit score up to 660 I can redo my truck loan and drop my interstate rate 4 points.
OK on the cards I payed off I know one or too I really want to pay off. I payed them off Saturday and come Monday one of them charged me a 8 dollar yearly fee and then charged me a 22 dollar interest charge . I can keep from useing them or I can just cut the cards up. I was asking because half the people I asked said to close them and the other half was saying keep them open