Ask Terry Questions Canceling an unused credit card

Canceling an unused credit card

By Terry Savage on November 04, 2023 | Credit/Debt

Does canceling an unused credit card affect my credit score?
Thank you,

Terry Says

Not unless it’s your oldest card, in which case it contributes to the “longevity” of your credit history. But if you have others from about that same time, then go ahead and cancel. Just closing a card doesn’t ding your score if you note that you request it be closed.



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