{"id":3328,"date":"2025-05-31T12:30:51","date_gmt":"2025-05-31T15:30:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3328"},"modified":"2025-05-31T12:30:51","modified_gmt":"2025-05-31T15:30:51","slug":"is-it-better-to-cancel-a-credit-card-or-keep-it","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/","title":{"rendered":"Is it better to cancel a credit card or keep it?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Is_It_Better_to_Cancel_a_Credit_Card_or_Keep_It\" >Is It Better to Cancel a Credit Card or Keep It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#How_Canceling_a_Credit_Card_Impacts_Your_Credit_Score\" >How Canceling a Credit Card Impacts Your Credit Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Credit_Utilization_Ratio\" >Credit Utilization Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Length_of_Credit_History\" >Length of Credit History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Credit_Mix_and_New_Credit\" >Credit Mix and New Credit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#When_It_Makes_Sense_to_Cancel_a_Credit_Card\" >When It Makes Sense to Cancel a Credit Card<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#High_Annual_Fees_Without_Enough_Benefits\" >High Annual Fees Without Enough Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Temptation_to_Overspend\" >Temptation to Overspend<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Concerns_About_Identity_Theft_or_Fraud\" >Concerns About Identity Theft or Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Inactive_Card_With_No_Use\" >Inactive Card With No Use<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#When_You_Should_Keep_Your_Credit_Card_Open\" >When You Should Keep Your Credit Card Open<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Preserving_Your_Credit_Score\" >Preserving Your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Continuing_to_Earn_Rewards_or_Benefits\" >Continuing to Earn Rewards or Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Emergency_Financial_Flexibility\" >Emergency Financial Flexibility<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#How_to_Manage_Credit_Cards_Wisely\" >How to Manage Credit Cards Wisely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Steps_to_Take_if_You_Decide_to_Cancel_a_Credit_Card\" >Steps to Take if You Decide to Cancel a Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Common_Misconceptions_About_Canceling_Credit_Cards\" >Common Misconceptions About Canceling Credit Cards<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Myth_1_Canceling_a_Credit_Card_Immediately_Lowers_Your_Credit_Score\" >Myth 1: Canceling a Credit Card Immediately Lowers Your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Myth_2_Closing_a_Card_Removes_It_from_Your_Credit_Report_Right_Away\" >Myth 2: Closing a Card Removes It from Your Credit Report Right Away<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Myth_3_You_Should_Always_Cancel_Cards_You_Dont_Use\" >Myth 3: You Should Always Cancel Cards You Don\u2019t Use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Myth_4_Canceling_a_Card_Keeps_You_From_Getting_New_Credit\" >Myth 4: Canceling a Card Keeps You From Getting New Credit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Summary_Key_Points_to_Consider_Before_Canceling_a_Credit_Card\" >Summary: Key Points to Consider Before Canceling a Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Is_It_Better_to_Cancel_a_Credit_Card_or_Keep_It-2\" >Is It Better to Cancel a Credit Card or Keep It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#15_Frequently_Asked_Questions_About_Canceling_or_Keeping_a_Credit_Card\" >15 Frequently Asked Questions About Canceling or Keeping a Credit Card<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#1_Will_canceling_a_credit_card_hurt_my_credit_score\" >1. Will canceling a credit card hurt my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#2_Does_keeping_an_unused_credit_card_affect_my_credit_score\" >2. Does keeping an unused credit card affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#3_Should_I_cancel_a_credit_card_with_an_annual_fee\" >3. Should I cancel a credit card with an annual fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#4_How_does_credit_utilization_relate_to_canceling_cards\" >4. How does credit utilization relate to canceling cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#5_What_if_I_only_use_one_credit_card_regularly\" >5. What if I only use one credit card regularly?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#6_Can_canceling_a_credit_card_reduce_debt_temptation\" >6. Can canceling a credit card reduce debt temptation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#7_How_long_does_a_canceled_card_impact_my_credit_report\" >7. How long does a canceled card impact my credit report?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#8_Will_canceling_a_credit_card_improve_my_interest_rates\" >8. Will canceling a credit card improve my interest rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#9_Should_I_cancel_a_card_if_I_never_use_it\" >9. Should I cancel a card if I never use it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#10_How_do_credit_card_rewards_affect_my_decision\" >10. How do credit card rewards affect my decision?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#11_Can_canceling_a_secured_credit_card_affect_my_credit_rebuilding\" >11. Can canceling a secured credit card affect my credit rebuilding?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#12_Is_it_better_to_downgrade_a_credit_card_rather_than_cancel\" >12. Is it better to downgrade a credit card rather than cancel?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#13_How_do_credit_card_age_and_cancellation_relate\" >13. How do credit card age and cancellation relate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#14_Will_canceling_multiple_cards_at_once_harm_my_credit\" >14. Will canceling multiple cards at once harm my credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#15_How_can_I_safely_cancel_a_credit_card\" >15. How can I safely cancel a credit card?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3328\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Is it better to cancel a credit card or keep it?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_It_Better_to_Cancel_a_Credit_Card_or_Keep_It\"><\/span>Is It Better to Cancel a Credit Card or Keep It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Deciding whether to cancel a credit card or keep it can be a tricky financial dilemma. Many Americans wonder how ending a credit card affects their credit score, monthly budget, and long-term financial health. If you\u2019re asking yourself, <em>\u201cShould I close an unused credit card?\u201d<\/em> or <em>\u201cWill canceling my card hurt my credit?\u201d<\/em>, you\u2019re not alone. This article will explore the key factors to consider, including the impact on your credit score, fees, rewards, and debt management. By understanding these elements, you can make an informed decision that best suits your financial goals.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Canceling_a_Credit_Card_Impacts_Your_Credit_Score\"><\/span>How Canceling a Credit Card Impacts Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your credit score is one of the most important pieces of your financial puzzle. It influences the interest rates you receive, whether you get approved for loans, and sometimes even your job prospects. When you cancel a credit card, it can affect your credit score in several ways:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Utilization_Ratio\"><\/span>Credit Utilization Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>credit utilization ratio<\/strong> refers to the percentage of your available credit that you&#8217;re currently using. It\u2019s a significant factor in credit scoring models and accounts for roughly 30% of your FICO score.<\/p>\n<ul>\n<li>If you close a credit card, you reduce your total available credit.<\/li>\n<li>This can cause your credit utilization to increase if you carry balances on other cards or loans.<\/li>\n<li>Higher credit utilization generally lowers your credit score.<\/li>\n<\/ul>\n<p><strong>For example:<\/strong> Imagine you have two credit cards with a total credit limit of $10,000 and a combined balance of $2,000. Your credit utilization is 20%. If you cancel a card with a $5,000 limit, your available credit drops to $5,000 but your balance remains $2,000, raising your utilization to 40%. This could negatively affect your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Length_of_Credit_History\"><\/span>Length of Credit History<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The length of your credit history makes up about 15% of your credit score. When you cancel a credit card, especially your oldest account, it could shorten your credit history and potentially lower your score.<\/p>\n<ul>\n<li>Closed accounts in good standing usually remain on your credit report for up to 10 years, but eventually, they will drop off.<\/li>\n<li>If the card you close is your oldest account, this could reduce the average age of your accounts once it disappears from your report.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Mix_and_New_Credit\"><\/span>Credit Mix and New Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Credit mix, referring to the variety of credit accounts you have (credit cards, installment loans, mortgages), affects about 10% of your credit score.<\/p>\n<ul>\n<li>Closing a credit card might reduce the diversity of your credit accounts, which could lower your score slightly.<\/li>\n<li>However, this factor is generally less impactful than credit utilization and payment history.<\/li>\n<li>Opening too many new cards at once, on the other hand, can hurt your credit due to hard inquiries and the average age of accounts.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_It_Makes_Sense_to_Cancel_a_Credit_Card\"><\/span>When It Makes Sense to Cancel a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While keeping credit cards open usually benefits your credit score, there are situations where canceling a card is the better choice. Here are some common scenarios:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"High_Annual_Fees_Without_Enough_Benefits\"><\/span>High Annual Fees Without Enough Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a credit card has a high annual fee and you\u2019re not using its rewards or perks enough to justify the cost, canceling might be smart.<\/p>\n<ul>\n<li>Compare the fees against benefits like cash back, travel rewards, or purchase protection.<\/li>\n<li>Switch to a no-fee card if it better suits your spending habits.<\/li>\n<li>Call your credit card issuer to see if they will waive or reduce fees before canceling.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Temptation_to_Overspend\"><\/span>Temptation to Overspend<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some people find that having multiple credit cards tempts them to spend more than they should. If managing multiple cards feels overwhelming or stressful:<\/p>\n<ul>\n<li>Closing one or more credit cards might help control spending and simplify your finances.<\/li>\n<li>Focus on using one or two cards to track expenses better.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Concerns_About_Identity_Theft_or_Fraud\"><\/span>Concerns About Identity Theft or Fraud<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a credit card has been compromised or you\u2019re worried about fraud risk, canceling the card and requesting a new one can be prudent.<\/p>\n<ul>\n<li>Make sure all recurring payments are updated to avoid service interruptions.<\/li>\n<li>Monitor your accounts closely for unusual activity.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Inactive_Card_With_No_Use\"><\/span>Inactive Card With No Use<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some credit card issuers charge fees for inactivity or might close your account due to lack of use, which can hurt your credit unexpectedly.<\/p>\n<ul>\n<li>If you don\u2019t plan to use a card, consider making small purchases periodically to keep it active.<\/li>\n<li>If you prefer to cancel, check the potential impact on your credit score first.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_You_Should_Keep_Your_Credit_Card_Open\"><\/span>When You Should Keep Your Credit Card Open<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are many reasons to keep a credit card open, even if you don\u2019t use it regularly. Here are some benefits:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Preserving_Your_Credit_Score\"><\/span>Preserving Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As noted earlier, keeping your credit card open preserves your available credit and credit history length.<\/p>\n<ul>\n<li>This helps maintain a low credit utilization ratio.<\/li>\n<li>It retains the age of your oldest credit account, which is beneficial.<\/li>\n<li>It sustains your credit mix and overall credit profile strength.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Continuing_to_Earn_Rewards_or_Benefits\"><\/span>Continuing to Earn Rewards or Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your credit card offers rewards points, cash back, or travel perks, keeping it open allows you to maximize these benefits.<\/p>\n<ul>\n<li>Some cards allow points to accumulate over time, increasing redemption options.<\/li>\n<li>Annual fees might be waived or offset by the value of these rewards.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Emergency_Financial_Flexibility\"><\/span>Emergency Financial Flexibility<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Having an open, unused credit card can act as a financial safety net in emergencies.<\/p>\n<ul>\n<li>It can provide access to credit for unexpected expenses.<\/li>\n<li>Having multiple cards can also help manage cash flow if one card is declined.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Manage_Credit_Cards_Wisely\"><\/span>How to Manage Credit Cards Wisely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether you decide to keep or cancel a credit card, responsible management is key to maintaining a healthy credit profile and financial well-being. Here are best practices:<\/p>\n<ul>\n<li><strong>Pay your balances on time and in full<\/strong> whenever possible to avoid interest charges and build positive credit history.<\/li>\n<li><strong>Monitor your credit utilization ratio<\/strong> by keeping your balances low relative to your credit limits.<\/li>\n<li><strong>Review your credit reports<\/strong> regularly through AnnualCreditReport.com to check for errors or identity theft.<\/li>\n<li><strong>Consider contacting your card issuer<\/strong> if fees or interest rates increase. Sometimes negotiation is possible.<\/li>\n<li><strong>Use cards strategically<\/strong> to benefit from rewards and promotions while minimizing costs.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Take_if_You_Decide_to_Cancel_a_Credit_Card\"><\/span>Steps to Take if You Decide to Cancel a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If after weighing the pros and cons, you decide canceling a credit card is the right move, do so in a way that minimizes potential damage to your credit score and finances:<\/p>\n<ul>\n<li><strong>Pay off your balance:<\/strong> Ensure your credit card balance is $0 before canceling to avoid interest and fees.<\/li>\n<li><strong>Redeem rewards:<\/strong> Use any accrued points or cash back because you may lose them after cancellation.<\/li>\n<li><strong>Contact the issuer:<\/strong> Call your credit card company directly to notify them of your intent to cancel. Follow up with a written confirmation if necessary.<\/li>\n<li><strong>Destroy the card:<\/strong> Cut up or shred your canceled card to prevent fraud.<\/li>\n<li><strong>Check your credit report:<\/strong> Monitor your credit report to confirm that the account is reported as closed by consumer and that the balance is zero.<\/li>\n<li><strong>Update automatic payments:<\/strong> Transfer recurring charges to another credit card or payment method before closing to avoid service interruptions.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Misconceptions_About_Canceling_Credit_Cards\"><\/span>Common Misconceptions About Canceling Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people have misconceptions about the effects of canceling credit cards. Here are some myths debunked:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Myth_1_Canceling_a_Credit_Card_Immediately_Lowers_Your_Credit_Score\"><\/span>Myth 1: Canceling a Credit Card Immediately Lowers Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While canceling a card can impact your credit score, the effect is often modest and temporary if you manage your other accounts well.<\/p>\n<p><em>Tip:<\/em> Keep balances low and maintain good payment history on other cards to offset any impact.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Myth_2_Closing_a_Card_Removes_It_from_Your_Credit_Report_Right_Away\"><\/span>Myth 2: Closing a Card Removes It from Your Credit Report Right Away<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Closed accounts in good standing stay on your credit report for up to 10 years, continuing to help your credit history during that time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Myth_3_You_Should_Always_Cancel_Cards_You_Dont_Use\"><\/span>Myth 3: You Should Always Cancel Cards You Don\u2019t Use<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Simply having unused cards open can benefit your credit utilization and history unless the card has costly fees or other downsides.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Myth_4_Canceling_a_Card_Keeps_You_From_Getting_New_Credit\"><\/span>Myth 4: Canceling a Card Keeps You From Getting New Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Canceling a card does not prevent you from applying for new credit. However, multiple credit inquiries in a short period might temporarily lower your score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_Key_Points_to_Consider_Before_Canceling_a_Credit_Card\"><\/span>Summary: Key Points to Consider Before Canceling a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Assess the impact on your credit utilization:<\/strong> Closing a card reduces total available credit, which may increase utilization.<\/li>\n<li><strong>Consider the age of the card:<\/strong> Older cards help maintain a longer credit history.<\/li>\n<li><strong>Weigh fees and benefits:<\/strong> Annual fees may justify canceling, especially if you don\u2019t use rewards.<\/li>\n<li><strong>Think about your financial habits:<\/strong> Cancel if managing the card leads to overspending or stress.<\/li>\n<li><strong>Keep in mind your overall credit profile:<\/strong> Closing a low-limit or secondary card might have less effect than canceling a primary card with higher limits.<\/li>\n<\/ul>\n<p>Ultimately, the decision to cancel a credit card or keep it comes down to your unique financial situation and goals. By keeping these factors in mind and evaluating your personal circumstances, you can make the choice that supports your long-term financial health and creditworthiness.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-212\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp\" alt=\"Thumbnail Smart Finance (6)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4124\/\" title=\"Is it better to cancel a credit card or just stop using it?\">Is it better to cancel a credit card or just stop using it?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4100\/\" title=\"Is it better to cancel a credit card or keep it open?\">Is it better to cancel a credit card or keep it open?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-262\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp\" alt=\"Thumbnail Smart Finance (56)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-220x150.webp 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Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-209\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp\" alt=\"Thumbnail Smart Finance (3)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_It_Better_to_Cancel_a_Credit_Card_or_Keep_It-2\"><\/span>Is It Better to Cancel a Credit Card or Keep It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Deciding whether to cancel a credit card or keep it open is often a tough choice. Many Americans wonder if closing a card will improve their finances or if holding onto it can benefit their credit score and spending habits. While closing a card might seem like a way to avoid debt, it can sometimes hurt your credit history and reduce your available credit, potentially increasing your credit utilization ratio. On the other hand, keeping a card open\u2014even if unused\u2014can help maintain a longer credit history and improve your credit score, but it requires discipline to avoid unnecessary fees or debt. Understanding the advantages and disadvantages of each choice can help you make a smart decision tailored to your unique financial situation. This article delves into key factors and common questions surrounding whether it\u2019s better to cancel a credit card or keep it active.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"15_Frequently_Asked_Questions_About_Canceling_or_Keeping_a_Credit_Card\"><\/span>15 Frequently Asked Questions About Canceling or Keeping a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Will_canceling_a_credit_card_hurt_my_credit_score\"><\/span>1. Will canceling a credit card hurt my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes, canceling a card can hurt your credit score<\/strong> by reducing your total available credit and shortening your credit history. The impact varies based on your overall credit profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Does_keeping_an_unused_credit_card_affect_my_credit_score\"><\/span>2. Does keeping an unused credit card affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Keeping an unused card open generally helps your credit score<\/strong> by maintaining a longer credit history and lowering your credit utilization ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Should_I_cancel_a_credit_card_with_an_annual_fee\"><\/span>3. Should I cancel a credit card with an annual fee?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>If you don\u2019t benefit from the card\u2019s perks, it may be wise to cancel<\/strong> to avoid paying yearly fees that don\u2019t add value to your finances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_does_credit_utilization_relate_to_canceling_cards\"><\/span>4. How does credit utilization relate to canceling cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Canceling cards lowers your total credit limit, increasing your credit utilization,<\/strong> which can negatively affect your credit score if balances remain high.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_if_I_only_use_one_credit_card_regularly\"><\/span>5. What if I only use one credit card regularly?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Using one card is fine, but keeping others open helps maintain credit history<\/strong> and available credit, which benefits your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_canceling_a_credit_card_reduce_debt_temptation\"><\/span>6. Can canceling a credit card reduce debt temptation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes, closing cards can reduce the temptation to overspend,<\/strong> but make sure to manage debt responsibly first.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_long_does_a_canceled_card_impact_my_credit_report\"><\/span>7. How long does a canceled card impact my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>A canceled card stays on your credit report for up to 10 years,<\/strong> helping your credit history remain long even after closure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Will_canceling_a_credit_card_improve_my_interest_rates\"><\/span>8. Will canceling a credit card improve my interest rates?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Canceling cards rarely improves interest rates,<\/strong> which depend more on credit score and lender policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Should_I_cancel_a_card_if_I_never_use_it\"><\/span>9. Should I cancel a card if I never use it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>If it has no fee, keeping it open is usually better for credit,<\/strong> but if managing multiple cards is stressful, consider closing the least useful one.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_do_credit_card_rewards_affect_my_decision\"><\/span>10. How do credit card rewards affect my decision?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Cards with valuable rewards or cash back offer ongoing benefits,<\/strong> so it might be better to keep them active.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_canceling_a_secured_credit_card_affect_my_credit_rebuilding\"><\/span>11. Can canceling a secured credit card affect my credit rebuilding?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes, canceling a secured card can slow credit rebuilding,<\/strong> so keep it open until you have better alternatives.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Is_it_better_to_downgrade_a_credit_card_rather_than_cancel\"><\/span>12. Is it better to downgrade a credit card rather than cancel?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Downgrading to a no-fee card keeps your account open,<\/strong> preserving credit history without the cost of annual fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_How_do_credit_card_age_and_cancellation_relate\"><\/span>13. How do credit card age and cancellation relate?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Older cards improve your average account age,<\/strong> so canceling old cards can lower this metric and negatively impact your score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_Will_canceling_multiple_cards_at_once_harm_my_credit\"><\/span>14. Will canceling multiple cards at once harm my credit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes, canceling several cards simultaneously can significantly reduce available credit,<\/strong> damaging your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_How_can_I_safely_cancel_a_credit_card\"><\/span>15. How can I safely cancel a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Pay off any balance, redeem rewards, then contact the issuer to cancel<\/strong> and confirm closure in writing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When deciding whether to cancel a credit card or keep it, it\u2019s important to weigh the pros and cons based on your personal financial goals. <strong>Keeping credit cards open can improve your credit score by lowering your credit utilization ratio<\/strong> and lengthening your credit history, both crucial factors in your credit rating. However, if a card carries a high annual fee or tempts overspending, canceling it might be the smarter choice. For many Americans, <em>downgrading cards or maintaining no-fee accounts<\/em> strikes a perfect balance between preserving credit health and managing costs. Ultimately, understanding these effects helps you manage your credit wisely, avoid unnecessary fees, and make confident decisions that support your financial future. Be sure to review your credit report regularly, consider the impact of every card you hold, and choose the option that aligns with your long-term financial well-being.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Is it better to cancel a credit card or keep it? Is It Better to Cancel a Credit Card or Keep It? Deciding whether to cancel a credit card or keep it can be a tricky financial dilemma. Many Americans wonder how ending a credit card affects their credit score, monthly budget, and long-term financial &hellip;<\/p>\n","protected":false},"author":3,"featured_media":211,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-3328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=3328"}],"version-history":[{"count":0,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3328\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/211"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}