Spare credit card

MrShazzyMan

I have two credit cards, one is a Tesco clubcard/creditcard which I might keep and the other is a Aqua credit credit card (both mastercards) and was wondering if I close the Aqua one down even though I've got it a few months back I've never used it since I'm always using my barclaycard visa card all the time, would this affect my credit score if I was to close down the Aqua credit card?

[Deleted User]

Probably not, assuming it's a low limit, so wouldn't impact your debt/limit ratio unduly.

But I would make sure you have at least 2 cards at your disposal, if not 3, for when you lose one or it gets declined in a petrol station at 2am in the middle of nowhere.

MrShazzyMan

Deleted_User wrote: »

Probably not, assuming it's a low limit, so wouldn't impact your debt/limit ratio unduly.

But I would make sure you have at least 2 cards at your disposal, if not 3, for when you lose one or it gets declined in a petrol station at 2am in the middle of nowhere.

I haven't got any debt since I'm paying off my balances in full each month. Not paid a single penny of interest on any of my credit cards since receiving my cards.

but yeah that is an excellent idea to keep two, certainly does come in handy.