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As far as credit bureaus are concerned, the more credit accounts you have open, the better. Having as much available credit as possible (even if you don't plan to use it) is key to achieving an excellent credit score. Closing an account will lower your available credit, negatively impacting your credit utilization rating and your score. Additionally, the credit bureaus' algorithms will score points for long-standing accounts, so keep those old accounts up and running.
When it comes to achieving great credit, using multiple different lines of credit regularly is fundamental. An easy way to accomplish this without accidentally missing payments is setting up recurring monthly payments on various cards and setting up autopay for those cards with your bank. In addition, putting smaller payments like monthly Netflflix charges on older cards you barely use is a great way to keep that line of credit active and ensure you're getting top marks on credit diversity from the bureaus.
A respectable credit score is essential if you plan to purchase a home or vehicle or qualify for a personal loan. Additionally, your credit can even affect your ability to get a job, as many top employers now check prospective employees' credit. Over time, good credit will save you hundreds or even thousands of dollars in interest charges. Someone with excellent credit always gets better financing rates because creditors consider their risk of default minimal. On the other hand, those with poor credit scores are seen as a higher risk, leading to higher interest rates throughout the loan duration.
One of the easiest ways to improve your credit score without even making a payment is to reach out to the credit card companies and ask for an increase in your credit limit. When your credit limit goes up, your utilization immediately improves, and your score increases. If your history of on-time payments is good and you've maintained a reasonable credit utilization ratio, at least some of your creditors are likely to increase your limits. Either way, it doesn't hurt to ask.
