{"id":4058,"date":"2025-06-06T12:40:51","date_gmt":"2025-06-06T15:40:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=4058"},"modified":"2025-06-06T12:40:51","modified_gmt":"2025-06-06T15:40:51","slug":"should-i-cancel-a-credit-card-i-no-longer-use","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/","title":{"rendered":"Should I cancel a credit card I no longer use?"},"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\/4058\/#Should_I_Cancel_a_Credit_Card_I_No_Longer_Use\" >Should I Cancel a Credit Card I No Longer Use?<\/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\/4058\/#Why_Do_People_Cancel_Credit_Cards\" >Why Do People Cancel Credit Cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#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-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#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-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#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-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#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-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#4_Number_of_Accounts\" >4. Number of Accounts<\/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\/4058\/#Should_I_Cancel_a_Credit_Card_If_I_Dont_Use_It\" >Should I Cancel a Credit Card If I Don\u2019t Use It?<\/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\/4058\/#When_Should_You_Consider_Canceling_an_Unused_Credit_Card\" >When Should You Consider Canceling an Unused Credit Card?<\/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\/4058\/#How_to_Cancel_a_Credit_Card_Without_Hurting_Your_Credit_Score\" >How to Cancel 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\/4058\/#1_Pay_Off_Balances\" >1. Pay Off Balances<\/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\/4058\/#2_Use_Other_Cards_to_Lower_Utilization\" >2. Use Other Cards to Lower 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\/4058\/#3_Avoid_Canceling_Oldest_Cards\" >3. Avoid Canceling Oldest Cards<\/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\/4058\/#4_Redeem_Rewards_Before_Closing\" >4. Redeem Rewards Before Closing<\/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\/4058\/#5_Monitor_Your_Credit_Reports\" >5. Monitor Your Credit Reports<\/a><\/li><\/ul><\/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\/4058\/#Alternatives_to_Canceling_an_Unused_Credit_Card\" >Alternatives to Canceling an Unused 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\/4058\/#Common_Concerns_About_Canceling_Credit_Cards\" >Common Concerns 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\/4058\/#Will_Canceling_a_Credit_Card_Improve_My_Credit_Score\" >Will Canceling a Credit Card Improve My 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\/4058\/#Can_Closing_Credit_Cards_Affect_My_Chances_of_Getting_a_Loan\" >Can Closing Credit Cards Affect My Chances of Getting a Loan?<\/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\/4058\/#Is_It_Difficult_to_Reopen_a_Cancelled_Credit_Card\" >Is It Difficult to Reopen a Cancelled Credit Card?<\/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\/4058\/#Does_Canceling_a_Credit_Card_Affect_My_Credit_Limit\" >Does Canceling a Credit Card Affect My Credit Limit?<\/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\/4058\/#How_to_Decide_Whats_Best_for_You\" >How to Decide What\u2019s Best for You<\/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\/4058\/#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\/4058\/#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\/4058\/#Should_I_Cancel_a_Credit_Card_I_No_Longer_Use-2\" >Should I Cancel a Credit Card I No Longer Use?<\/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\/4058\/#Conclusion\" >Conclusion<\/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\/4058\/#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-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#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-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#2_Should_I_close_a_credit_card_with_an_annual_fee_I_dont_use\" >2. Should I close a credit card with an annual fee I don\u2019t use?<\/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\/4058\/#3_How_does_canceling_a_card_affect_my_credit_utilization_ratio\" >3. How does canceling a card affect my credit utilization ratio?<\/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\/4058\/#4_Will_closing_an_old_credit_card_shorten_my_credit_history\" >4. Will closing an old credit card shorten my credit history?<\/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\/4058\/#5_Can_I_keep_a_card_open_without_using_it\" >5. Can I keep a card open without using it?<\/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\/4058\/#6_Is_it_better_to_pay_off_a_card_before_canceling_it\" >6. Is it better to pay off a card before canceling it?<\/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\/4058\/#7_How_do_rewards_programs_affect_the_decision_to_keep_or_cancel_a_card\" >7. How do rewards programs affect the decision to keep or cancel a 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\/4058\/#8_Can_canceling_a_credit_card_improve_my_financial_habits\" >8. Can canceling a credit card improve my financial habits?<\/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\/4058\/#9_Will_closing_a_card_remove_it_immediately_from_my_credit_report\" >9. Will closing a card remove it immediately 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-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#10_Should_I_consider_product_changing_instead_of_canceling\" >10. Should I consider product changing instead of canceling?<\/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\/4058\/#11_How_do_multiple_credit_cards_affect_my_credit_score\" >11. How do multiple credit cards 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-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#12_Does_closing_a_credit_card_affect_my_credit_mix\" >12. Does closing a credit card affect my credit mix?<\/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\/4058\/#13_Should_I_inform_my_credit_card_issuer_before_canceling\" >13. Should I inform my credit card issuer before canceling?<\/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\/4058\/#14_What_happens_if_I_have_a_balance_when_I_cancel_a_credit_card\" >14. What happens if I have a balance when I cancel a credit card?<\/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\/4058\/#15_How_can_I_monitor_my_credit_score_after_canceling_a_card\" >15. How can I monitor my credit score after canceling 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-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4058\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Should I cancel a credit card I no longer use?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_Cancel_a_Credit_Card_I_No_Longer_Use\"><\/span>Should I Cancel a Credit Card I No Longer Use?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people wonder, <em>\u201cShould I cancel a credit card I no longer use?\u201d<\/em> It\u2019s a common question, especially when you\u2019re trying to stay on top of your financial health or simplify your wallet. Canceling a credit card may seem like an easy way to cut down on unused accounts, but it\u2019s not always so straightforward. There are important factors to consider before making this decision, such as how it impacts your credit score, your overall financial strategy, and any benefits you might be giving up.<\/p>\n<p>In this article, we\u2019ll walk you through everything you need to know about canceling an unused credit card. We\u2019ll explore <strong>pros and cons<\/strong>, answer common concerns, and provide practical tips so you can make the best choice for your personal finances.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_People_Cancel_Credit_Cards\"><\/span>Why Do People Cancel Credit Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before diving into whether or not you should cancel, it helps to understand the main reasons why people decide to close credit card accounts:<\/p>\n<ul>\n<li><strong>Avoiding annual fees:<\/strong> Some credit cards come with yearly charges that might not be worth paying if you rarely use the card.<\/li>\n<li><strong>Reducing temptation:<\/strong> Some want to limit the number of cards to avoid overspending.<\/li>\n<li><strong>Simplifying finances:<\/strong> Managing multiple credit cards can be overwhelming, especially if bills and payment dates vary.<\/li>\n<li><strong>Protecting against fraud:<\/strong> Inactive cards might be seen as easier targets for identity theft.<\/li>\n<li><strong>Dealing with changes in card terms:<\/strong> Sometimes cards increase interest rates or reduce rewards, prompting users to rethink their value.<\/li>\n<\/ul>\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>One of the most vital considerations when thinking about canceling a credit card is how it affects your credit score. Your credit score measures your creditworthiness, and the way it\u2019s calculated involves several factors:<\/p>\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 total available credit that you are using. For example, if you have a credit limit totaling $10,000 across all cards and you owe $2,000, your utilization ratio is 20%. Ideally, this number should stay under 30% to maintain a good credit score.<\/p>\n<p>When you cancel a credit card, you reduce your overall available credit. This can raise your credit utilization ratio \u2014 especially if you carry balances on other cards \u2014 potentially lowering 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 age of your credit accounts matters. Canceling your oldest credit card, even if you don\u2019t use it frequently, can shorten your average account age, which can negatively affect your credit score. Credit scoring models prefer a longer, consistent credit history.<\/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>Lenders and credit scoring models like to see a variety of credit types, including credit cards, loans, and mortgages. Closing a credit card reduces the diversity of your credit portfolio, which can slightly impact your score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Number_of_Accounts\"><\/span>4. Number of Accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Even the number of open credit accounts influences your credit score. Closing a card reduces the total number of open accounts, which may raise concern if you have few accounts overall.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_Cancel_a_Credit_Card_If_I_Dont_Use_It\"><\/span>Should I Cancel a Credit Card If I Don\u2019t Use It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Not always.<\/strong> If the card has no annual fee and does not cause you to overspend, it often makes more sense to keep it open. Here are a few considerations to help you decide:<\/p>\n<ul>\n<li><strong>Check for annual fees:<\/strong> If the card has no fees, you benefit from the increased available credit without paying anything.<\/li>\n<li><strong>Is the card old?<\/strong> If it\u2019s your oldest card, it might be better to keep it open to support your credit history length.<\/li>\n<li><strong>Do you plan to keep credit cards long-term?<\/strong> Sometimes it makes sense to keep a card open \u201cjust in case,\u201d especially if it\u2019s a card with rewards or benefits.<\/li>\n<li><strong>Is the card associated with rewards or perks?<\/strong> Even if unused, you might lose valuable rewards or benefits if you close the account.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_Should_You_Consider_Canceling_an_Unused_Credit_Card\"><\/span>When Should You Consider Canceling an Unused Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While keeping cards open is often beneficial, there are specific scenarios where canceling might be the right choice:<\/p>\n<ul>\n<li><strong>Annual Fees Are Too High:<\/strong> If you don\u2019t use the card often and the annual fee outweighs the benefits, canceling saves money.<\/li>\n<li><strong>Security Concerns:<\/strong> If you notice suspicious activity or the card issuer has a poor reputation for security, it may be wise to cancel.<\/li>\n<li><strong>Card Terms Have Changed Detrimentally:<\/strong> For example, if interest rates increase significantly or rewards are cut drastically.<\/li>\n<li><strong>You\u2019re Simplifying Finances:<\/strong> Managing many cards can be stressful; closing a few unused cards might help streamline your money management.<\/li>\n<li><strong>You\u2019re Applying for a Big Loan:<\/strong> Lenders can view multiple open credit cards as a risk; closing some might improve your loan approval chances.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Cancel_a_Credit_Card_Without_Hurting_Your_Credit_Score\"><\/span>How to Cancel a Credit Card Without Hurting Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve decided to cancel a credit card, there are steps you can take to minimize any negative impact on your credit score:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Pay_Off_Balances\"><\/span>1. Pay Off Balances<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Make sure your card balance is completely paid off before canceling. Outstanding balances can lead to fees and interest charges after cancellation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Use_Other_Cards_to_Lower_Utilization\"><\/span>2. Use Other Cards to Lower Utilization<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If canceling the card would reduce your total available credit, try to pay down balances on your other cards to keep your utilization ratio low.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Avoid_Canceling_Oldest_Cards\"><\/span>3. Avoid Canceling Oldest Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Try to keep your oldest credit card open, even if you rarely use it, to maintain a long credit history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Redeem_Rewards_Before_Closing\"><\/span>4. Redeem Rewards Before Closing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your card has earned rewards, points, or cash back, redeem those before canceling \u2014 as you often lose them once the account is closed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Monitor_Your_Credit_Reports\"><\/span>5. Monitor Your Credit Reports<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Check your credit reports for accuracy after canceling to ensure the account shows as closed and no unexpected issues arise.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternatives_to_Canceling_an_Unused_Credit_Card\"><\/span>Alternatives to Canceling an Unused Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re hesitant to cancel your card but want to avoid paying fees or having unused accounts, consider these alternatives:<\/p>\n<ul>\n<li><strong>Request a No-Annual-Fee Version:<\/strong> Some card issuers allow downgrading your card to a no-fee version without closing the account.<\/li>\n<li><strong>Use the Card Occasionally:<\/strong> Make small regular purchases you can pay off immediately to keep the card active.<\/li>\n<li><strong>Set Up Auto-Pay:<\/strong> Automate small recurring payments like subscriptions, then pay off the balance in full to maintain activity.<\/li>\n<li><strong>Freeze or Lock the Card:<\/strong> Some issuers let you temporarily freeze your card to prevent unauthorized use without canceling it.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Concerns_About_Canceling_Credit_Cards\"><\/span>Common Concerns About Canceling Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Will_Canceling_a_Credit_Card_Improve_My_Credit_Score\"><\/span>Will Canceling a Credit Card Improve My Credit Score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Usually, canceling a credit card does not improve your credit score and may have the opposite effect by reducing available credit and shortening your average credit age. The only time canceling might improve your score is if the card has a high balance or recent missed payments negatively impacting your report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_Closing_Credit_Cards_Affect_My_Chances_of_Getting_a_Loan\"><\/span>Can Closing Credit Cards Affect My Chances of Getting a Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. Lenders look at your debt levels, credit history, and number of open accounts. Canceling several credit cards shortly before applying for a mortgage, auto loan, or personal loan could raise red flags, so it\u2019s wise to plan ahead.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_It_Difficult_to_Reopen_a_Cancelled_Credit_Card\"><\/span>Is It Difficult to Reopen a Cancelled Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Typically, once a card is canceled, reopening it is not straightforward and requires reapplying. If you think you might want the card again in the future, consider alternatives instead of cancellation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_Canceling_a_Credit_Card_Affect_My_Credit_Limit\"><\/span>Does Canceling a Credit Card Affect My Credit Limit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. When you cancel, your total credit limit decreases, potentially increasing your credit utilization ratio and lowering your credit score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Decide_Whats_Best_for_You\"><\/span>How to Decide What\u2019s Best for You<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Figuring out whether to cancel an unused credit card depends on your unique financial situation and goals. Here are a few questions to help guide your decision:<\/p>\n<ul>\n<li><strong>Do I pay an annual fee for this card?<\/strong> If yes, is the fee worth the value I get?<\/li>\n<li><strong>How old is this card?<\/strong> Is it one of my oldest accounts?<\/li>\n<li><strong>How will canceling affect my total credit limit and utilization rate?<\/strong><\/li>\n<li><strong>Does the card offer benefits I might want in the future, like rewards or purchase protections?<\/strong><\/li>\n<li><strong>Am I planning any major credit applications soon?<\/strong><\/li>\n<\/ul>\n<p>Answering these questions honestly can help you balance the pros and cons and decide the best move for your credit health and financial peace of mind.<\/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\/3760\/\" title=\"Should I apply for another credit card after being denied?\">Should I apply for another credit card after being denied?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3919\/\" title=\"Should I close credit cards with no annual fee?\">Should I close credit cards with no annual fee?\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=\"Should_I_Cancel_a_Credit_Card_I_No_Longer_Use-2\"><\/span>Should I Cancel a Credit Card I No Longer Use?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Deciding whether to cancel a credit card you no longer use can be tricky. Many Americans wonder if keeping an unused card helps or harms their credit score. While closing a card might seem like a good way to reduce debt temptation or simplify finances, it can also impact your credit utilization and length of credit history. Before making a decision, it\u2019s important to understand how canceling affects your finances and which factors to consider, like annual fees, rewards, and credit mix. This guide will help you weigh the pros and cons so you can make an informed choice that aligns with your financial goals and improves your credit health.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Canceling a credit card you no longer use isn&#8217;t a one-size-fits-all decision.<\/strong> It largely depends on your personal financial situation and credit goals. If the card has no annual fee and doesn\u2019t tempt you to overspend, keeping it open can help maintain a longer credit history and lower your credit utilization, positively impacting your credit score. However, if the card comes with high fees or you find the temptation to spend too great, closing it might be the smarter choice. Always consider factors like rewards, fees, and how closing the card affects your credit utilization ratio. Before canceling, check your credit report to understand how this action will impact your credit mix and overall profile. If you decide to close the card, do so strategically and monitor your credit score afterward. Remember, managing your credit responsibly is key to financial health, so evaluate your needs carefully to decide whether keeping or canceling an unused credit card will best support your goals.<\/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_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>Yes, canceling a credit card can affect your credit score by reducing your available credit and shortening your credit history, but the impact varies depending on your overall credit profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Should_I_close_a_credit_card_with_an_annual_fee_I_dont_use\"><\/span>2. Should I close a credit card with an annual fee I don\u2019t use?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019re not benefiting from the card\u2019s rewards or perks, and the annual fee is costing you money, it\u2019s usually wise to cancel it to avoid unnecessary charges.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_does_canceling_a_card_affect_my_credit_utilization_ratio\"><\/span>3. How does canceling a card affect my credit utilization ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Canceling a card reduces your total available credit, which can increase your credit utilization ratio and potentially lower your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_closing_an_old_credit_card_shorten_my_credit_history\"><\/span>4. Will closing an old credit card shorten my credit history?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Closing an old card can impact your average account age, but the account may remain on your credit report for up to 10 years, lessening the immediate effect.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_keep_a_card_open_without_using_it\"><\/span>5. Can I keep a card open without using it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, keeping an unused credit card open can help maintain your credit limit and history, benefiting your credit score if you manage other debts well.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Is_it_better_to_pay_off_a_card_before_canceling_it\"><\/span>6. Is it better to pay off a card before canceling it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely. You should always pay off any outstanding balance before closing a credit card to avoid fees and negative credit reporting.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_do_rewards_programs_affect_the_decision_to_keep_or_cancel_a_card\"><\/span>7. How do rewards programs affect the decision to keep or cancel a card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your card has valuable rewards or cash back, it might be worth keeping even if you don\u2019t use it often, but only if there\u2019s no high annual fee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_canceling_a_credit_card_improve_my_financial_habits\"><\/span>8. Can canceling a credit card improve my financial habits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For some, reducing the number of cards helps control spending and lowers debt risk, improving financial discipline.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Will_closing_a_card_remove_it_immediately_from_my_credit_report\"><\/span>9. Will closing a card remove it immediately from my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, closed accounts generally remain on your credit report for several years, continuing to impact your credit history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Should_I_consider_product_changing_instead_of_canceling\"><\/span>10. Should I consider product changing instead of canceling?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, some issuers allow you to switch to a no-fee card, preserving your credit history without paying annual fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_do_multiple_credit_cards_affect_my_credit_score\"><\/span>11. How do multiple credit cards affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Having multiple cards can increase your total available credit and lower your utilization, but managing them responsibly is key.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Does_closing_a_credit_card_affect_my_credit_mix\"><\/span>12. Does closing a credit card affect my credit mix?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, canceling a card can affect your credit mix, especially if it\u2019s your only account of a particular type.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_Should_I_inform_my_credit_card_issuer_before_canceling\"><\/span>13. Should I inform my credit card issuer before canceling?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It\u2019s a good idea to contact your issuer to confirm the cancellation process and ensure your account is fully closed without fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_What_happens_if_I_have_a_balance_when_I_cancel_a_credit_card\"><\/span>14. What happens if I have a balance when I cancel a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You must continue paying off any remaining balance even after closing your account to avoid damage to your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_How_can_I_monitor_my_credit_score_after_canceling_a_card\"><\/span>15. How can I monitor my credit score after canceling a card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use free credit monitoring services or apps to track your credit score changes and stay informed about your credit health.<\/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>Should I cancel a credit card I no longer use? Should I Cancel a Credit Card I No Longer Use? Many people wonder, \u201cShould I cancel a credit card I no longer use?\u201d It\u2019s a common question, especially when you\u2019re trying to stay on top of your financial health or simplify your wallet. Canceling a &hellip;<\/p>\n","protected":false},"author":3,"featured_media":258,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-4058","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\/4058","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=4058"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4058\/revisions"}],"predecessor-version":[{"id":5679,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4058\/revisions\/5679"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/258"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=4058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=4058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=4058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}