Effect on my credit rating?

Cashcade

I have a couple of student overdraft accounts, which i rarely put money into, only when asked to do so by the bank.

I pay a small amount in every 3 months. However, I was just wondering is having an account that is constantly near its overdraft limit the equivalent of regularly missing late payments etc?

I was wondering shall i just pay them both off in a short while, and close both accounts down OR

Pay them off and leave them in credit...

which is better..

I have 4 bank accounts at the moment which is too much...

also, I was recently accepted for a bank account despite having previous bad history and a 3 year old default in my name. Does this mean that things are looking up.

Thanks