Your Unused Credit Card Might Be Cancelled; will this Affect your Credit Score?

July 6, 2009 by Vikki C
Filed under: Budgeting 

I just read an article from Single Guy Money stating that credit card issuers are losing a ton of money and therefore are closing down credit cards that are not regularly used. I know it sounds like they would not be able to do that, but the article states that they are within their right to cancel credit cards. If you regularly use your card your credit limit might be reduced. And you know what that means, right … people who depend on credit cards might find themselves, budgeting and clipping coupons to reduce their grocery bill and other monthly bills.

Ok, you might be thinking that you don’t use your credit card that much and it is not a big deal right, WRONG!! Revolving credit limits have a huge impact on your credit score. This is factored by your debt to credit ratio. You always want to have more available credit than debt, no brainer right. Well if they are going around closing credit cards, this will be a problem for everyone. Check your credit accounts, take steps the keep them from closing your card(basically, use the card), then check your FICA score.

I know I will.

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