One action that could hurt your overall credit score is closing credit card accounts. Closing a card affects two parts of the credit score calculation - the level of debt and the length of credit history. Understand then that doing this will lower your credit score especially when your credit card account still has a balance and when it has available credit while your other credit cards don't. Additionally, you credit score will be badly affected when you close your oldest credit card and when you have no other credit cards or loans to use.


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	Bad Credit Credit Card Helpful Articles    * Does A Bad Credit Credit Card Really Exist? – In todays world a credit card is necessary for        many things such as motel reservations or in case of emergency.    * Bad Credit Credit Card Companies – Sometimes it can be very challenging to find a credit card        company willing to take a chance on someone with no credit or bad credit.    * Getting A Bad Credit Credit Card – There are several companies that target these types        of people. They offer what is called a starter card.