Judith Ohikuare Photographed by Rachel Cabitt. Some will say it’s fine based on their own personal situation, while others will tell you “never! While there are some good rules of thumb to follow, you’ll want to take into consideration how doing so might affect you — and not what it did or didn’t do for someone else. Closing a credit card is one of the most immediate ways to impact your credit score , which can impact your ability to get a loan for a car, a home, or even buy a new phone or rent an apartment, so you want to think about what’s best for you. Advertisement Here are a few things to keep in mind. Closing a credit card will be a bigger deal if you have fewer lines of credit, so you’ll want to be very careful. Priya Malani, a partner at Stash Wealth , says that she typically advises clients to have no more than three cards open. If you have a large balance spread out among a few cards for example, one with a lower or temporarily no interest rate , you might have an easier time paying it down.
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Some will say it’s fine based on their own personal situation, while others will tell you “never! While there are some good rules of thumb to follow, you’ll want to take into consideration how doing so might affect you — and not what it did or didn’t do for someone else. Closing a credit card is one of the most immediate ways to impact your credit score , which can impact your ability to get a loan for a car, a home, or even buy a new phone or rent an apartment, so you want to think about what’s best for you.
Advertisement Here are a few things to keep in mind. Closing a credit card will be a bigger deal if you have fewer lines of credit, so you’ll want to be very careful. Priya Malani, a partner at Stash Wealth , says that she typically advises clients to have no more than three cards open. If you have a large balance spread out among a few cards for example, one with a lower or temporarily no interest rate , you might have an easier time paying it down. Or, if you want to take a big trip, Weston adds, spreading the cost over several different cards and paying them off in full is another way to keep your credit utilization down so that your scores can continue to grow.
What About Store Credit Cards? If you haven’t yet gone on this route, don’t. If you already have, pay it down as soon as possible and then consider closing it farther down the line, Malani advises. Don’t Always Keep Your Oldest Card A store credit card is sometimes the first credit card that many people have, making things even more confusing.
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History[ edit ] Mobil was one of the most notable early adopters of a similar technology, and offered their ” Speedpass ” contactless payment system for participating Mobil gas stations as early as Although Mobil has since merged with Exxon, the service is still offered at many of ExxonMobil ‘s stations. Freedompay also had early wins in the contactless space with Bank of America  and McDonald’s. The first contactless cards in the UK were issued by Barclaycard in Belgacom ‘s Pingping , for example, has a stored value account and via a partnership with Alcatel-Lucent ‘s Touchatag provides contactless payment functionalities.
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Contactless payments with enabled mobile phones still occur on a small scale, but every month an increasing number of mobile phones are certified. The partnership will promote the development of “contactless mobile payment systems” by creating a universal platform in Europe for it. The number of completed contactless journeys has now exceeded m.
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