04/30/2026
Credit Gem 💎
Closing a credit card can hurt your score even if it’s paid off.
Why?
Because you lose available credit, your utilization goes up, and your credit age can drop.
Move smart:
If the card has no annual fee, keep it open and let it age. Use it for something small and pay it off.
Credit is not just about what you remove… it’s about what you keep and how you manage it. 🔥