Although it might seem as though closing unused credit cards would help your credit score and, in turn, be a positive impact on your mortgage application, it can actually hurt you.
Why?
Because when you close a credit card two things can happen:
✔️ You won’t have the credit limit from that unused card anymore, so your credit limit will decrease, which may cause your utilization ratio to increase depending on how much outstanding debt you have, which can lower your credit score.
✔️ If the card you’re closing is an old credit card, this can affect the length of your credit history, which can also impact your credit score.
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