Shut a card the smart way—protect your utilization, preserve history, and keep lenders seeing a long, stable track record.

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 ...

Closing a credit card can impact your credit score in more ways than one, depending on your overall credit profile and usage.

A pending transaction is a charge that shows up on your credit card statement but hasn’t been reduced from your balance yet. Merchants may also place a pending transaction — or hold — on your account ...

These days, almost everyone has more than one credit card. Often, people acquire new cards after seeing attractive offers or ...