Decision guideCredit 3 min

Should I close an old credit card I don't use?

An unused card is doing two quiet jobs for your score: adding to your available credit and to your account age. Whether to close it comes down to fees, timing, and temptation.

30-second explainer

37s

The short version — then walk through the questions below for your situation.

Question 1 of about 4

Does the card charge an annual fee?

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Educational only — not legal, tax, or financial advice. Typical ranges are shown; your contract, lender, and state law set the exact rules. MoneyFAQ is not a lender.