Cards Dont Miss
October 14th, 2004 | 
Author: Cards Dont Miss Currently For Sale On eBay
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Cards Dont Miss
what is gonna happened if i dont use my credit cards ?
hello,
i have 4 credit cards, and i stopped using them because i just hated credit cards and the nightmare they cause if you miss payment, or you feel like you missed payment, any way, i have a credit score of 709, so can you guys tell me if i don't use my cards, is it gonna affect my credit score? in a bad or good way
thank you so much for your help
Hi there,
The ratio of debt to credit limit can be more critical for a person and closing down credit accounts may only increase that ratio to a point which is not accepted by anyone. Many people do move their debt of numerous credit cards to one single card after closing down their older accounts. As creditors will usually observe the debt-to-credit limit ratio, this act can have bad impact on the credit score of anyone as the amount of debt will remain same but the credit will become even less.
So closing down old accounts just because it is not in use may not be the best course of action.
Regards
sbicard - Don't Miss this Laughing time
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