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2. How Canceling Your Unused Credit Card Could Hurt You - AOL

   www.aol.com/canceling-unused-credit-card-could...

   If you were to close an unused credit card that has a $2,000 limit, your total available credit drops to $8,000, and your balance now represents 25% of your available credit.

3. How to cancel a credit card without hurting your credit score

   www.aol.com/finance/cancel-credit-card-without...

   You have five credit cards each with a $1,000 limit, making your total available credit $5,000. Your regular monthly credit card expenses total $1,000. Your credit utilization ratio is 20 percent ...

4. Is closing a credit card bad? - AOL

   www.aol.com/finance/closing-credit-card-bad...

   Closing a credit card may hurt your credit, but the impact varies depending on your credit history. ... Card 3: $0 balance / $12,000 credit limit. ... If you have an unused credit card you don’t ...

5. What to know before closing a credit card with a balance - AOL

   www.aol.com/finance/know-closing-credit-card...

   Closing a card with a balance can also help you avoid paying the annual fee for a credit card (if the card you’re closing charges one). How closing a credit card with a balance impacts your ...

6. What happens if you don’t use your credit card? - AOL

   www.aol.com/finance/happens-don-t-credit-card...

   Pay off your balance: Be sure to pay off your balance prior to closing your unused credit card. If you don’t, your issuer could raise the interest rate on your existing balance.

7. Canceling Your Credit Card? Not So Fast -- Try This Instead - AOL

   www.aol.com/canceling-credit-card-not-fast...

   If you've got a credit limit of $10,000 across three cards, but are carrying balances that total $2,500, you've got a credit utilization ratio of 25%. It's good to keep this figure under 30%.