{"id":3372,"date":"2025-05-31T21:15:51","date_gmt":"2025-06-01T00:15:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3372"},"modified":"2025-05-31T21:15:51","modified_gmt":"2025-06-01T00:15:51","slug":"does-it-hurt-your-credit-to-close-a-credit-card","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/","title":{"rendered":"Does it hurt your credit to close a credit card?"},"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\/3372\/#Does_It_Hurt_Your_Credit_to_Close_a_Credit_Card\" >Does It Hurt Your Credit to Close a Credit Card?<\/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\/3372\/#How_Closing_a_Credit_Card_Can_Impact_Your_Credit_Score\" >How Closing a Credit Card Can Impact 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\/3372\/#1_Credit_Utilization_Ratio\" >1. 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\/3372\/#2_Length_of_Credit_History\" >2. 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\/3372\/#3_Credit_Mix\" >3. Credit Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#4_Payment_History\" >4. Payment History<\/a><\/li><li class='ez-toc-page-1 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\/3372\/#5_New_Credit_Activity\" >5. New Credit Activity<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#When_Does_Closing_a_Credit_Card_Hurt_Your_Credit\" >When Does Closing a Credit Card Hurt Your Credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#When_Closing_a_Credit_Card_Might_Be_a_Smart_Move\" >When Closing a Credit Card Might Be a Smart Move<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#How_to_Close_a_Credit_Card_Without_Hurting_Your_Credit_Score\" >How to Close a Credit Card Without Hurting 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-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#1_Pay_Off_Your_Balance_First\" >1. Pay Off Your Balance First<\/a><\/li><li class='ez-toc-page-1 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\/3372\/#2_Consider_Your_Credit_Utilization\" >2. Consider Your Credit Utilization<\/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\/3372\/#3_Close_Newer_Cards_First\" >3. Close Newer Cards First<\/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\/3372\/#4_Avoid_Closing_Cards_Immediately_After_Opening_New_Ones\" >4. Avoid Closing Cards Immediately After Opening New Ones<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#5_Maintain_Other_Healthy_Credit_Accounts\" >5. Maintain Other Healthy Credit Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#6_Contact_the_Card_Issuer\" >6. Contact the Card Issuer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#7_Monitor_Your_Credit_Report\" >7. Monitor Your Credit Report<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Common_User_Questions_About_Closing_Credit_Cards\" >Common User Questions About Closing 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-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Will_closing_a_credit_card_immediately_lower_my_credit_score\" >Will closing a credit card immediately lower my credit score?<\/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\/3372\/#Does_closing_a_credit_card_affect_my_credit_report\" >Does closing a credit card affect my credit report?<\/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\/3372\/#Can_I_reopen_a_credit_card_after_closing_it\" >Can I reopen a credit card after closing it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#What_if_I_close_a_credit_card_with_a_balance\" >What if I close a credit card with a balance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Should_I_close_a_credit_card_with_an_annual_fee\" >Should I close a credit card with an annual fee?<\/a><\/li><\/ul><\/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\/3372\/#Alternatives_to_Closing_a_Credit_Card\" >Alternatives to Closing a Credit Card<\/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\/3372\/#Understanding_the_Bigger_Picture_Credit_Is_About_Management_Not_Just_Numbers\" >Understanding the Bigger Picture: Credit Is About Management, Not Just Numbers<\/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\/3372\/#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-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#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-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Does_It_Hurt_Your_Credit_to_Close_a_Credit_Card-2\" >Does It Hurt Your Credit to Close a Credit Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='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\/3372\/#1_Does_closing_a_credit_card_damage_your_credit_score\" >1. Does closing a credit card damage your credit score?<\/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\/3372\/#2_How_does_closing_a_credit_card_affect_credit_utilization\" >2. How does closing a credit card affect credit utilization?<\/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\/3372\/#3_Will_closing_my_oldest_credit_card_hurt_my_credit_history_length\" >3. Will closing my oldest credit card hurt my credit history length?<\/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\/3372\/#4_Can_closing_a_credit_card_help_improve_my_finances\" >4. Can closing a credit card help improve my finances?<\/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\/3372\/#5_Should_I_pay_off_my_balance_before_closing_a_credit_card\" >5. Should I pay off my balance before closing a credit card?<\/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\/3372\/#6_Does_closing_a_credit_card_remove_it_from_my_credit_report\" >6. Does closing a credit card remove it from my credit report?<\/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\/3372\/#7_Is_it_better_to_keep_a_credit_card_open_with_a_zero_balance\" >7. Is it better to keep a credit card open with a zero balance?<\/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\/3372\/#8_How_long_does_the_impact_of_closing_a_credit_card_last\" >8. How long does the impact of closing a credit card last?<\/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\/3372\/#9_Can_closing_multiple_credit_cards_hurt_my_credit_more\" >9. Can closing multiple credit cards hurt my credit more?<\/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\/3372\/#10_Does_closing_a_credit_card_affect_credit_inquiries\" >10. Does closing a credit card affect credit inquiries?<\/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\/3372\/#11_Should_I_consult_a_financial_advisor_before_closing_a_credit_card\" >11. Should I consult a financial advisor before closing a credit card?<\/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\/3372\/#12_Can_closing_a_credit_card_help_me_avoid_annual_fees\" >12. Can closing a credit card help me avoid annual fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#13_How_can_I_minimize_harm_when_closing_a_credit_card\" >13. How can I minimize harm when closing a credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#14_Does_closing_a_credit_card_affect_loan_or_mortgage_approval\" >14. Does closing a credit card affect loan or mortgage approval?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#15_Is_it_better_to_downgrade_or_close_a_card\" >15. Is it better to downgrade or close a card?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3372\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Does it hurt your credit to close a credit card?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_It_Hurt_Your_Credit_to_Close_a_Credit_Card\"><\/span>Does It Hurt Your Credit to Close a Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people wonder, <em>does closing a credit card hurt your credit?<\/em> Whether you have a card you no longer use, an annual fee you want to avoid, or simply want to simplify your finances, the decision to close a credit card can feel complicated. Understanding how closing a credit card impacts your credit score and overall financial health is essential before making a move.<\/p>\n<p>In this article, we&#8217;ll explore how shutting down a credit card can affect your credit score, what factors to consider before closing it, and how to minimize the negative effects if you decide to close that account. We will also address common concerns and provide practical advice to help you maintain a strong credit profile while managing your credit cards efficiently.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Closing_a_Credit_Card_Can_Impact_Your_Credit_Score\"><\/span>How Closing a Credit Card Can Impact Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Closing a credit card can have both <strong>positive and negative effects<\/strong> on your credit score depending on various factors. To understand why, let\u2019s look closely at the key elements that credit scoring models consider:<\/p>\n<ul>\n<li><strong>Credit Utilization Ratio<\/strong><\/li>\n<li><strong>Length of Credit History<\/strong><\/li>\n<li><strong>Credit Mix<\/strong><\/li>\n<li><strong>Payment History<\/strong><\/li>\n<li><strong>New Credit Activity<\/strong><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"1_Credit_Utilization_Ratio\"><\/span>1. Credit Utilization Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Credit utilization<\/strong> is the percentage of your available credit that you\u2019re currently using. It\u2019s generally recommended to keep your credit utilization below 30% to maintain a healthy credit score.<\/p>\n<p>When you close a credit card, especially one with a high credit limit, you reduce your available credit. If your total debt stays the same, this will increase your utilization ratio, which can <strong>negatively affect your credit score<\/strong>.<\/p>\n<p><em>Example:<\/em> Suppose you have two credit cards, each with a $5,000 limit, and you owe $2,000 total. Your utilization is 20% ($2,000 out of $10,000). Closing one card reduces your total credit limit to $5,000, and your utilization jumps to 40%, which may lower your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Length_of_Credit_History\"><\/span>2. Length of Credit History<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>age of your credit accounts<\/strong> helps build your credit reputation. Credit scoring models consider both the average age of your accounts and the age of your oldest account.<\/p>\n<p>Many people worry that closing an old credit card will hurt their score. However, closed accounts in good standing typically remain on your credit report for up to 10 years, continuing to count positively towards your credit history during that time.<\/p>\n<p>Over time, as the account falls off your report, your average account age may decrease, potentially affecting your score. Because of this, you may want to keep older credit cards open, especially if they have no annual fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Credit_Mix\"><\/span>3. Credit Mix<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Having a <strong>diverse mix of credit accounts<\/strong>\u2014such as credit cards, installment loans, and mortgages\u2014is favorable for your credit score. If you have only a few credit accounts, closing one might reduce your credit diversity slightly. However, the effect is typically minimal unless you\u2019re left with very limited credit types.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Payment_History\"><\/span>4. Payment History<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Payment history is the heaviest weighting factor in credit scores. Closing a card doesn\u2019t erase your past payment history linked to that account. Good payment behavior on a closed card continues to positively impact your score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_New_Credit_Activity\"><\/span>5. New Credit Activity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Closing one account itself does not appear as a hard inquiry or new credit event. But repeatedly opening and closing credit cards in a short period can signal risky behavior to lenders.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Does_Closing_a_Credit_Card_Hurt_Your_Credit\"><\/span>When Does Closing a Credit Card Hurt Your Credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While closing a credit card won\u2019t always damage your credit, certain situations increase the likelihood of a score drop. Be cautious if any of the following apply to you:<\/p>\n<ul>\n<li><strong>High credit utilization: <\/strong>If closing a card increases your overall utilization above 30%, this likely hurts your score.<\/li>\n<li><strong>Short credit history: <\/strong>If the card you plan to close is your oldest credit account, or your account history is generally limited.<\/li>\n<li><strong>Limited credit mix: <\/strong>Closing a card that diversifies your credit types could have a small negative impact.<\/li>\n<li><strong>Recent credit applications: <\/strong>If you have recently applied for other credit products, avoid closing cards until your credit stabilizes.<\/li>\n<\/ul>\n<p>In these cases, <strong>closing a credit card may cause a temporary dip in your credit score<\/strong>. However, if managed carefully, the long-term impact can be minimal or even beneficial.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Closing_a_Credit_Card_Might_Be_a_Smart_Move\"><\/span>When Closing a Credit Card Might Be a Smart Move<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Despite the potential risks, closing a credit card can be a good decision under the right circumstances. Here are some common reasons to close a card without seriously harming your credit:<\/p>\n<ul>\n<li><strong>Annual fees aren\u2019t worth the perks: <\/strong>If the benefits no longer outweigh the yearly cost.<\/li>\n<li><strong>High interest rates: <\/strong>If you\u2019re carrying balances and want to avoid excessive interest.<\/li>\n<li><strong>Fraud or security concerns: <\/strong>If you suspect unauthorized use.<\/li>\n<li><strong>Too many cards to manage: <\/strong>If managing multiple cards increases the chance of missed payments.<\/li>\n<li><strong>Credit card simplification: <\/strong>Focusing on one or two cards can make budgeting easier.<\/li>\n<\/ul>\n<p>Just keep in mind the <strong>timing and strategy<\/strong> you use when closing a card.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Close_a_Credit_Card_Without_Hurting_Your_Credit_Score\"><\/span>How to Close a Credit Card Without Hurting Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you decide that closing a credit card is the right choice, follow these tips to minimize any negative impact:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Pay_Off_Your_Balance_First\"><\/span>1. Pay Off Your Balance First<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Before closing any card, make sure the balance is zero. Carrying a balance on a card you plan to close can lead to interest charges and confusion in repayment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Consider_Your_Credit_Utilization\"><\/span>2. Consider Your Credit Utilization<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If closing the card will increase your overall credit utilization ratio significantly, try to pay down balances on other cards first or consider keeping the card open.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Close_Newer_Cards_First\"><\/span>3. Close Newer Cards First<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Close the most recent credit cards rather than the oldest ones to maintain your average account age and credit history length.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Avoid_Closing_Cards_Immediately_After_Opening_New_Ones\"><\/span>4. Avoid Closing Cards Immediately After Opening New Ones<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Wait at least a few months before closing any new cards to avoid appearing like a risky borrower.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Maintain_Other_Healthy_Credit_Accounts\"><\/span>5. Maintain Other Healthy Credit Accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ensure you have other credit cards or loans in good standing to maintain a diverse and solid credit profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Contact_the_Card_Issuer\"><\/span>6. Contact the Card Issuer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Call your credit card issuer to confirm the account closure and request a confirmation letter or email. Also, ask them to report the account as &#8220;closed at consumer\u2019s request&#8221; to the credit bureaus, which looks better than if they close the account due to inactivity or other reasons.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Monitor_Your_Credit_Report\"><\/span>7. Monitor Your Credit Report<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>After closing the card, check your credit report through free services like <strong>AnnualCreditReport.com<\/strong> to ensure the account status updates correctly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_User_Questions_About_Closing_Credit_Cards\"><\/span>Common User Questions About Closing Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Will_closing_a_credit_card_immediately_lower_my_credit_score\"><\/span>Will closing a credit card immediately lower my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Not always immediately, but it can cause a score decrease, especially if it raises your credit utilization or shortens your credit history. The extent varies by individual credit profiles.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_closing_a_credit_card_affect_my_credit_report\"><\/span>Does closing a credit card affect my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, closed accounts remain on credit reports typically for up to 10 years and continue to impact your credit score during that time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_reopen_a_credit_card_after_closing_it\"><\/span>Can I reopen a credit card after closing it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sometimes, but it depends on the issuer\u2019s policies. Some issuers allow reopening accounts within a short window; others require you to apply for a new card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_I_close_a_credit_card_with_a_balance\"><\/span>What if I close a credit card with a balance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You generally can\u2019t close a card until the balance is paid off, or you must arrange for payment of any remaining balance. The issuer can still collect on the outstanding balance even after closure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_close_a_credit_card_with_an_annual_fee\"><\/span>Should I close a credit card with an annual fee?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the card\u2019s benefits don\u2019t justify the annual fee, closing it after considering credit impact can be a smart move. Alternatively, some issuers offer &#8220;downgrade&#8221; options to no-fee cards.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternatives_to_Closing_a_Credit_Card\"><\/span>Alternatives to Closing a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re wary of closing a card due to potential credit damage, consider these alternatives:<\/p>\n<ul>\n<li><strong>Dormant card use: <\/strong>Make small purchases periodically and pay them off immediately to keep the account active without carrying a balance.<\/li>\n<li><strong>Card downgrade: <\/strong>Request your issuer to convert your current card to a no-fee version.<\/li>\n<li><strong>Remove from wallet: <\/strong>Keep the card open but stop using it regularly for simpler management.<\/li>\n<\/ul>\n<p>These strategies help maintain your credit score while adjusting your credit card portfolio to fit your needs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_Bigger_Picture_Credit_Is_About_Management_Not_Just_Numbers\"><\/span>Understanding the Bigger Picture: Credit Is About Management, Not Just Numbers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your credit score reflects your overall <strong>credit management behavior<\/strong> over time\u2014not just isolated actions like closing a card. Responsible use of credit, timely payments, and maintaining low balances have the greatest impact.<\/p>\n<p>So before closing a credit card, weigh the pros and cons and try to keep your credit utilization low and history intact. Closing one card won\u2019t ruin your credit, but thoughtful management ensures your score remains strong and your financial future bright.<\/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\/4189\/\" title=\"Does having too many credit cards hurt your credit score?\">Does having too many credit cards hurt your credit score?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4039\/\" title=\"Does it hurt your credit to have a card you never use?\">Does it hurt your credit to have a card you never use?\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 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial 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=\"Does_It_Hurt_Your_Credit_to_Close_a_Credit_Card-2\"><\/span>Does It Hurt Your Credit to Close a Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thinking about closing a credit card? Many Americans wonder how this decision might impact their credit score and overall financial health. Closing a credit card can affect your credit in several ways, but understanding the details helps you make informed choices. Factors like your credit utilization ratio, credit history length, and the mix of credit accounts all play a role. A well-managed credit closure might have little effect, or even improve your finances, while abrupt or poorly timed closures could temporarily lower your credit score. Read on to learn how closing a credit card affects your credit and what steps you can take to minimize risks.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Does_closing_a_credit_card_damage_your_credit_score\"><\/span>1. Does closing a credit card damage your credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Closing a credit card can impact your credit score by reducing your available credit, which may increase your credit utilization ratio. However, if managed well, the effect might be small or temporary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_does_closing_a_credit_card_affect_credit_utilization\"><\/span>2. How does closing a credit card affect credit utilization?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When you close a card, your total available credit decreases. If your balances remain the same, your credit utilization ratio goes up, which can lower your score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_closing_my_oldest_credit_card_hurt_my_credit_history_length\"><\/span>3. Will closing my oldest credit card hurt my credit history length?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. Closing your oldest card can shorten your average account age, potentially leading to a drop in your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_closing_a_credit_card_help_improve_my_finances\"><\/span>4. Can closing a credit card help improve my finances?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. If closing a card stops you from overspending or reduces fees, it can help your financial health beyond credit score considerations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Should_I_pay_off_my_balance_before_closing_a_credit_card\"><\/span>5. Should I pay off my balance before closing a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely. Make sure to pay off any remaining balance fully to avoid fees and negative marks on your credit report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Does_closing_a_credit_card_remove_it_from_my_credit_report\"><\/span>6. Does closing a credit card remove it from my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No. Closed accounts typically stay on your credit report for up to 10 years if in good standing, which can still benefit your credit history length.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Is_it_better_to_keep_a_credit_card_open_with_a_zero_balance\"><\/span>7. Is it better to keep a credit card open with a zero balance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Often yes. Keeping cards open with low or zero balances helps maintain a lower credit utilization ratio and longer credit history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_long_does_the_impact_of_closing_a_credit_card_last\"><\/span>8. How long does the impact of closing a credit card last?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Any negative impact from closing a card usually fades within a few months to a year as your credit profile adjusts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_closing_multiple_credit_cards_hurt_my_credit_more\"><\/span>9. Can closing multiple credit cards hurt my credit more?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. Closing several cards reduces your total available credit substantially, leading to higher utilization and credit score drops.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Does_closing_a_credit_card_affect_credit_inquiries\"><\/span>10. Does closing a credit card affect credit inquiries?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No. Closing a card does not result in a hard inquiry; inquiries only happen when applying for new credit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Should_I_consult_a_financial_advisor_before_closing_a_credit_card\"><\/span>11. Should I consult a financial advisor before closing a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you&#8217;re unsure, speaking with a financial expert can help you evaluate the pros and cons based on your personal credit situation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_closing_a_credit_card_help_me_avoid_annual_fees\"><\/span>12. Can closing a credit card help me avoid annual fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. Closing cards with high annual fees can save you money, but consider potential credit score impacts first.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_How_can_I_minimize_harm_when_closing_a_credit_card\"><\/span>13. How can I minimize harm when closing a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pay off balances, keep other cards open with low balances, and time closures when your credit is strong.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_Does_closing_a_credit_card_affect_loan_or_mortgage_approval\"><\/span>14. Does closing a credit card affect loan or mortgage approval?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It can. Lower credit scores or reduced available credit might affect loan approvals, so plan closures carefully if applying for credit soon.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_Is_it_better_to_downgrade_or_close_a_card\"><\/span>15. Is it better to downgrade or close a card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Downgrading to a no-fee card preserves credit history and limit, often a better choice than closing outright.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Closing a credit card can affect your credit score, but the impact varies based on your individual credit profile.<\/strong> Key factors include changes in your credit utilization ratio, length of credit history, and overall credit mix. Closing a card may increase your credit utilization if your balances don\u2019t decrease or shorten your credit history if it\u2019s your oldest account. That said, responsible credit management\u2014like paying off balances before closure and keeping other accounts open\u2014can minimize these effects. In some cases, closing cards with high annual fees or those tempting overspending may improve your financial health. It\u2019s also important to remember that closed accounts in good standing remain on your credit report for years, maintaining positive credit history. Consider your financial goals, upcoming loan applications, and credit habits before closing a credit card. If unsure, consulting a financial professional can guide you toward the best decision. Ultimately, closing a credit card doesn&#8217;t have to hurt your credit if done thoughtfully, helping you maintain control over both your credit score and your finances.<\/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>Does it hurt your credit to close a credit card? Does It Hurt Your Credit to Close a Credit Card? Many people wonder, does closing a credit card hurt your credit? Whether you have a card you no longer use, an annual fee you want to avoid, or simply want to simplify your finances, the &hellip;<\/p>\n","protected":false},"author":3,"featured_media":214,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-3372","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\/3372","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=3372"}],"version-history":[{"count":0,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3372\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/214"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}