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☆ Why you shouldn't cancel your unused credit cards
  + stars: | 2020-07-16 | by ( Ariana Arghandewal | ) edition.cnn.com   time to read: +10 min
Closing a credit card might hurt your credit scoreClosing a credit card could hurt your credit score. For example, let’s say you have three credit cards with a total credit limit of $20,000 and a balance of $5,000. If you were to cancel one of those credit cards with a $5,000 limit, your available credit would drop to $15,000. Having a mix of credit types, such as credit cards, car loans and mortgages, shows lenders that you can handle different types of credit responsibly. Closing a credit card can hurt your credit utilization ratio, credit history and credit mix, all of which can impact your credit score.
☆ Does closing a credit card hurt your credit score?
  + stars: | 2020-07-14 | by ( Julian Kheel | ) edition.cnn.com   time to read: +5 min
Technically, the action of closing a credit card account doesn’t have a direct bearing on your credit score, meaning most scoring models don’t subtract points just because you canceled a card. As we explained in our story about how opening a credit card affects your score, a significant portion of your credit score is based on your debt-to-credit ratio, also known as your credit utilization rate. How does canceling a credit card affect your credit score? And since credit utilization can count for almost one-third of your credit score, your score is likely to drop by closing a card in that scenario. Your entire history with a credit card stays on your credit report for up to seven years, even after you’ve canceled the card.
☆ American Express Blue Business Plus credit card review
  + stars: | 2020-02-25 | by ( Darren Murph | ) edition.cnn.com   time to read: +14 min
Digging into the Amex Blue Business PlusWhile every business is different, it’s fairly safe to assume that every small business owner is busy. Disadvantages of the Amex Blue Business PlusThe Blue Business Plus is aimed at owners of small and medium-sized businesses. KEY DETAILS Citi Double Cash Card American Express Blue Business Plus Card type Mastercard American Express Sign-up bonus None. Other credit cards similar to the Amex Blue Business PlusThe Blue Business Plus is, in many ways, in a league of its own within the no-annual-fee camp. Learn more about the Blue Business Plus Credit Card from American Express.
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