32 Credit Card Mistakes That Any American Does


If you keep your cards paid off and just want to close a superfluous card, it may not be a problem; if you carry balances and close one of your few cards with no balance, you’re increasing your credit utilization percentage and decreasing your score; close a long-tenured card and you’re decreasing it by shortening your credit history. You can cancel cards with an active balance and close cards that charge you a whole lot of fees and still have excellent credit to show for it, CreditKarma says.

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