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Credit rating

Hello all
Haven't posted for a while so please be gentle. We are hoping to pay off one of our credit cards soon. Is it best to pay it off and then close the account or to pay it off and leave account open (without using it) demonstrating you can be more responsible?
Thankyou

Comments

  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    jcjazzy wrote: »
    Hello all
    Haven't posted for a while so please be gentle. We are hoping to pay off one of our credit cards soon. Is it best to pay it off and then close the account or to pay it off and leave account open (without using it) demonstrating you can be more responsible?
    Thankyou

    Whats the question regarding the title of the thread ?
  • jcjazzy wrote: »
    Is it best to pay it off and then close the account or to pay it off and leave account open (without using it) demonstrating you can be more responsible?

    Neither. Keep it and use it, unless you need to reduce your limits.
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