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    • Bellearg
    • By Bellearg 13th May 18, 11:40 PM
    • 1Posts
    • 0Thanks
    Advice please on closing credit card account
    • #1
    • 13th May 18, 11:40 PM
    Advice please on closing credit card account 13th May 18 at 11:40 PM
    I've only one credit card that I've had 17 months and I'm now not happy with the providers customer service. I do not intend to use them anymore but is it better for my credit rating to close the account or keep open and no longer use it? (I'll now intend on getting a different credit card elsewhere) I've always paid well over minimum payments or in full each month.
Page 1
    • zx81
    • By zx81 14th May 18, 5:31 AM
    • 16,803 Posts
    • 17,813 Thanks
    • #2
    • 14th May 18, 5:31 AM
    • #2
    • 14th May 18, 5:31 AM
    Keep it and use it from time to time to keep it live.

    Once you have two or three other well established cards, you could think about closing it.
    • Gary_Dexter
    • By Gary_Dexter 14th May 18, 9:43 AM
    • 1,130 Posts
    • 627 Thanks
    • #3
    • 14th May 18, 9:43 AM
    • #3
    • 14th May 18, 9:43 AM
    Unless you are having issues then there should be no reason to contact a customer service team.

    Keep and use the card and pay it off in full each month rather than making just the minimum payments.

    This will help establish your credit history (not the made up score or rating)
    • No_6
    • By No_6 14th May 18, 8:32 PM
    • 637 Posts
    • 129 Thanks
    • #4
    • 14th May 18, 8:32 PM
    • #4
    • 14th May 18, 8:32 PM
    or close, it will then be settled with good credit history. you then move on and get another card or 2
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