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If applying for new cards, what is the best way to close out old, unused cards without impacting my credit? Many thanks, this has been a question for a long time.
@ Rob — Ultimately credit is a bit of a balancing act, so you can’t close an account without it impacting your overall credit. It might not necessarily hurt your credit, but the average age of accounts is something that factors into your overall credit card, and that’s impacted when you close cards. I think the key is to have a few cards you keep long term, which raise the average age of accounts. Then the impact is lessened when you close an account.