Discover whether you should cancel or keep an unused credit card. Learn how closing accounts impacts your credit score, utilization ratio, and history, plus strategies to protect your finances.
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Closing a credit card with zero balance can hurt your credit score by raising your utilization rate and shortening your credit history. Learn when to keep it open and smart alternatives to avoid damage.
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Canceling a credit card can hurt your credit score by raising your utilization rate or shortening your credit history. Learn when it's safe to close a card and how to avoid damaging your score.
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