When you have a credit card you don’t use, canceling it might seem like an obvious move. That’s especially true if the card carries an annual fee or you’re prone to overspending. But if you aren’t ...

Before closing a credit card account, consider keeping it open if it has no annual fees or high interest rates to maintain a good credit utilization ratio. Settle any outstanding balances and cancel ...

If Jane decides to cancel a few credit cards, she should first focus on the ones that have an annual fee. If she isn't using ...

As a freelance personal finance writer since 2008, Jason has contributed to over 100 outlets including Forbes, USA Today, Newsweek, Time, U.S. News, Money.com and NerdWallet. As an industry leader, ...

Managing too many credit cards can be stressful -- and costly if you're paying annual fees. Canceling cards needs to be strategic, because it can affect your credit score. Learn which card types you ...

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi ...

New lifestyle credits are available now, letting you unlock hundreds in value before the annual fee rises in 2026.