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![]() 1X Croco Wallet Credit ID Card Flip Case For Apple iPhone 4 4G US $1.99
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![]() Slim Money Clip Double Sided Credit Card Holder Wallet US $.58
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![]() New Eagle Business Credit Card Holder Case US $.98
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![]() Metal Peony Business Name Credit Card Holder Case US $1.69
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![]() Aluminum Gold-tone Business Credit ID Card Case Holder US $5.29
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![]() MENS BLACK LEATHER CREDIT CARD WALLET LAMB BIFOLD 774 US $10.50
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![]() 1X Croco Wallet Credit ID Card Flip Case For Apple iPhone 4 4S US $1.99
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![]() Kohls Merchandise Credit Gift Card- Never Expires $92.09 US $73.99
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![]() N-325 Men's money BIFOLD credit card wallet purse US $9.99
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![]() Esso OIL Credit Card Expired 1967 Happy Motoring US $6.50
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![]() New PVC ID Manual Credit Card Embossing Machine Embosser US $253.30
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![]() 6 PCS CREDIT CARD 3X MAGNIFIER MAGNIFYING FRESNEL LENS US $2.44
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How and why is my credit card affected when I open and close a credit card?
I see a great deal at a store to open up a credit card and get a prize or a rebate. If I want the big discount I open the credit card and then get the discount but I don't want or need the credit card at all.
Is it better to close down this new card or keep it open with a zero balance? How does opening and closing account affect my credit score?
Your credit score is based on history. If you open an account, your score will temporarily go down. It will eventually recover from that.
Closing an account is a slightly different matter. Depending on how much total credit you have (add up the limits on all of your accounts), closing an account can cause your score to go down if it significantly reduces your total credit. From that standpoint, leaving the card active with a zero balance would help your score.
However having an account open can create another avenue for potential fraud. I, personally, close accounts I don't use for that reason. Many card companies will also close an account automatically after a period of inactivity; 3 years is common.
There are a lot of things that can make your score vary a few points. Honestly, don't worry about your score that much. Use credit responsibly, NEVER be late on a payment and pay it off every month. Your score will take care of itself.














































































