Скачать или смотреть How to use your old credit cards the right way

Thinking about closing an old credit card? Hold that thought! Instead of shutting it down, there are more credit-savvy strategies you can adopt to make your old credit cards work to your advantage. By using these tactics, you can strengthen your credit profile in a snap. 💳📈

1️⃣ Keep those old credit cards open. They contribute to your total available credit, which can help lower your credit utilization ratio, a crucial factor in your credit score. 🔐📉

2️⃣ Keep the card active. Use it now and then for small purchases. Remember, a dormant card might prompt the issuer to close the account. 🛍️🔄

3️⃣ If the card comes with an annual fee that's becoming a burden, consider downgrading it to a no-fee version. This way, you maintain the credit history tied to the card and dodge unnecessary costs. 💰💡

Know anyone contemplating closing their old credit cards? Share this post with them! And don't forget to bookmark it to revisit these crucial tips.

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