{"id":985,"date":"2023-03-08T15:40:16","date_gmt":"2023-03-08T15:40:16","guid":{"rendered":"https:\/\/www.lendnation.com\/will-canceling-a-credit-card-hurt-my-credit-score\/"},"modified":"2025-07-29T15:22:22","modified_gmt":"2025-07-29T15:22:22","slug":"will-canceling-a-credit-card-hurt-my-credit-score","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/will-canceling-a-credit-card-hurt-my-credit-score\/","title":{"rendered":"Will Canceling a Credit Card Hurt My Credit Score"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2023-03-08T15:40:16+00:00\">March, 2023<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Will Canceling a Credit Card Hurt My Credit Score<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"735\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg 6093w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?resize=300,215 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?resize=768,551 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?resize=1024,735 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?resize=1536,1102 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/03\/cancelingcreditcardcanhurtmyscore.jpg?resize=2048,1470 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-does-closing-a-credit-card-hurt-your-score\"><strong>Does Closing a Credit Card Hurt Your Score?<\/strong><\/h1>\n\n\n\n<p>There are many reasons you might want to cancel a credit card. You might be too tempted to overspend, or you\u2019re not using your card enough to justify the annual fees. Does canceling a credit card hurt your overall credit? It can. While having too many credit cards can <a href=\"https:\/\/www.lendnation.com\/blog\/article\/6-ways-your-credit-score-can-drop\">lower your credit score<\/a>, so can closing a credit card. Here\u2019s why.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-closing-a-credit-card-can-impact-your-credit-utilization-ratio\"><strong>Closing a Credit Card Can Impact Your Credit Utilization Ratio<\/strong><\/h2>\n\n\n\n<p>Your <a href=\"https:\/\/www.investopedia.com\/terms\/c\/credit-utilization-rate.asp\">credit utilization ratio<\/a> is the amount of credit you\u2019re using divided by the amount of credit you have available. You want to keep that percentage low \u2013 <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/30-percent-ideal-credit-utilization-ratio-rule\">under 30%<\/a> according to most experts. When you close a credit card, your ratio jumps up. Why? You no longer have the available credit from the card you just canceled, so the amount of credit you\u2019re using on your other cards takes up a bigger amount of your total available credit. <\/p>\n\n\n\n<p><strong style=\"font-size: 18px;\">Closing a Credit Card Causes Your Credit History to Drop<\/strong><\/p>\n\n\n\n<p>Canceling a newer credit card may not have much of an influence on your credit score but canceling a card you\u2019ve had a while might. With credit cards, newer isn\u2019t necessarily better. The credit cards you\u2019ve had longer help increase the average age of your accounts, which <a href=\"https:\/\/www.lendnation.com\/blog\/article\/5-ways-to-improve-your-credit-score\">boosts your credit score<\/a>. The opposite is true, too. When you close a credit card, the average age of your accounts goes down, which can lower your credit score. <\/p>\n\n\n\n<p><strong style=\"font-size: 18px;\">Should I Close My Credit Card?<\/strong><\/p>\n\n\n\n<p>Now that you know how your credit score could be impacted, you might reconsider whether you should close your card or not. Below are some options to canceling a credit card that won\u2019t have the same effects on your credit score.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u25cf<strong>Downgrade Your Credit Card. <\/strong>Reduce the amount of annual fees you\u2019re paying by downgrading your credit card instead of canceling it. With this option, you won\u2019t impact your credit utilization ratio or average age of accounts, but you\u2019ll also get fewer perks with a lesser card. <\/li>\n\n\n\n<li>\u25cf<strong>Request A Lower Interest Rate.<\/strong> If high interest is draining your savings and hurting your credit score, try asking for a lower interest rate from your credit card company. The worst that can happen is they say no.<\/li>\n\n\n\n<li>\u25cf<strong>Use It for Recurring Bills.<\/strong> Instead of canceling your card because you don\u2019t use it, think about putting a regular expense, like your electric bill, on it to keep it from becoming inactive. Make sure to pay it off regularly to avoid unwanted interest charges.<\/li>\n<\/ul>\n\n\n\n<p><strong style=\"font-size: 18px;\">How to Close a Credit Card<\/strong><\/p>\n\n\n\n<p>Though it may have consequences, sometimes canceling a credit card is the right decision. If you still want to cancel your credit card, here are the steps you\u2019ll need to take.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Start by paying off your balance and redeeming any rewards. Even if you cancel a card with a balance on it, you\u2019ll still be responsible for paying off the debt. <\/li>\n\n\n\n<li>Call the credit card company to start the cancellation process. Even after you cancel over the phone, ask for a written follow-up letter confirming the cancellation. <\/li>\n\n\n\n<li>It can take a few weeks, or in some cases, even a few months to show up on your credit report. Once you\u2019ve confirmed the account is closed, cut up your card to keep anyone else from trying to use it.<\/li>\n<\/ol>\n\n\n\n<p><strong><\/strong><strong style=\"font-size: 14px;\">Keep Your Credit Score on Track<\/strong><\/p>\n\n\n\n<p>Keeping a good credit score is important and deciding whether to cancel cards is a process. Sudden financial emergencies can always happen though that may cause you to fall behind on your credit card payments you do have. That\u2019s where LendNation can help. If you close a credit card or suddenly find yourself in a financial emergency, LendNation can help. LendNation offers flexible cash solutions, like payday loans online with instant approval. You can <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">apply for a loan online<\/a> in minutes or stop by one of our <a href=\"https:\/\/www.lendnation.com\/location\/search?q=\">locations<\/a>.<\/p>\n\n\n\n<p><strong>Resources: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/6-ways-your-credit-score-can-drop\">https:\/\/www.lendnation.com\/blog\/article\/6-ways-your-credit-score-can-drop<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/is-it-better-to-cancel-unused-credit-cards-or-keep-them\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/is-it-better-to-cancel-unused-credit-cards-or-keep-them\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.investopedia.com\/how-to-cancel-a-credit-card-4590033#toc-how-does-closing-a-credit-card-affect-your-credit-score\">https:\/\/www.investopedia.com\/how-to-cancel-a-credit-card-4590033#toc-how-does-closing-a-credit-card-affect-your-credit-score<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/does-closing-a-credit-card-hurt-your-credit-score\/\">https:\/\/www.forbes.com\/advisor\/credit-cards\/does-closing-a-credit-card-hurt-your-credit-score\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/5-ways-to-improve-your-credit-score\">https:\/\/www.lendnation.com\/blog\/article\/5-ways-to-improve-your-credit-score<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator 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Less<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that you can actually risk hurting your credit when you cancel a credit card? Here\u2019s why you should reconsider canceling that credit card.<\/p>\n","protected":false},"author":18,"featured_media":986,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[115,113,114],"class_list":["post-985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-canceling-credit-cards","tag-credit-cards","tag-credit-score"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Will Canceling a Credit Card Hurt My Credit Score - LendNation<\/title>\n<meta name=\"description\" content=\"Did you know that you can actually risk hurting your credit when you cancel a credit card? Here\u2019s why you should reconsider canceling that credit card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/will-canceling-a-credit-card-hurt-my-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will Canceling a Credit Card Hurt My Credit Score\" \/>\n<meta property=\"og:description\" content=\"Did you know that you can actually risk hurting your credit when you cancel a credit card? 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