The two major credit cards that I use is my Wells Fargo one and my Chase South West card, annual free credit reports Cleveland which I use the most because of the points. I really just want to stick with one credit card, but I have the other 9 looming over me. I dont want the credit card companies to close my accounts because my cards go inactive because I know that will hurt my FICO score. But I annual free credit reports Cleveland dont want to cancel my cards because I know THAT annual free credit reports Cleveland will hurt my score as well. Eunice, depending how long youve had your 10 ccs, I would suggest that if the inactive ones are less than 3-4 years old, it would be ok to cancel them, and just keep the 6 with some seniority. Like some of the older posts have suggested, you can always set up a monthly re-occurring payment of bills or what not on each of the cards you decide to keep. About 4 years ago (in my not so smart days), I went over the limit a few times on my first credit card. free credit report 3 Recently, i accidently used that same card for the wrong large purchase and annual free credit reports Cleveland went over the limit again by about 30 dollars. Brian, Assuming this is the first transgression in 4 years it probably shouldnt affect your score much at all. You may even be able to call your credit card company and annual free credit reports Cleveland ask them to remove the penalty and over the limit occurrence from your credit record. The key is to make sure it doesnt happen again, annual free credit reports Cleveland so be sure to monitor annual free credit reports Cleveland your balances. Recently I had to close or cancel my AT&T credit card. check credit reports
I received a letter from AT&T stating annual free credit reports Cleveland that I will be charge $60 per year for their credit card and if I spend over $2,000 the annual free credit reports Cleveland $60.00 will be waived. I have been a customer annual free credit reports Cleveland since 1999, however, I have not been using the card as frequently as they would like. I knew this would affect annual free credit reports Cleveland my credit, but I had annual free credit reports Cleveland no choice considering I am unemployed. Jen, it depends on several factors, the most important of which are your average age of credit and your credit utilization. You will be closing a card that has been open for over 10 annual free credit reports Cleveland years, which will reduce your average age of credit, and you will also close a line of credit, which could annual free credit reports Cleveland affect your credit utilization (amount of credit used vs. get free credit card For example, if you have $5,annual free credit reports Cleveland 000 debt and have credit lines equal to $50,000, your credit utilization is 10%. If you close an account with a $10,000 line of credit, you now have $5,000 debt on $40,000 available credit, increasing your utilization to 12.5%. Overall, annual free credit reports Cleveland it would be impossible for me to give you a number regarding how your score will be affected, but if you have other lines of credit and dont have a lot of debt, the change annual free credit reports Cleveland most likely will not be substantial.
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