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Saturday, October 24, 2026Updated 16:47 UTC

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Closing a Paid-Off Credit Card Can Lower Your Score – Pay Down Other Balances First

Source: Money Crashers · Oct 24, 2026 11:15 UTC

Oil refinery towers and pipes with a city skyline in the distance — File photo Carol M. Highsmith / Library of Congress · Public domain · Source

The Quick Take

A zero balance doesn’t protect your credit score when you close a credit card and carry balances on your other cards. Its limit stops counting toward your available credit, so those balances take up a bigger share of it. Pay them down first, and if you’re applying for a big loan soon, wait until it’s final. Source

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