Have a few credit cards with high rates that we no longer use. Is there anyway to get rid of a ,000 credit limit on a card that has a zero balance without killing our ‘excellent’ credit scores?

We would like to increase the limit on our lower interest rate credit cards, but have not been allowed to due to outstanding limits on existing credit cards.

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Just so I don’t get flamed about the dangers of adding someone else to a credit card… we are soon to be married and our money is already in a joint account. We are both trying to increase our credit scores in preparation of purchasing a house. We have just paid off all credit cards, so that will be good on credit… and we are going to leave the accounts open with little or no balance.

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Hi. I recently just got my first credit card ever and used it to make a 00 purchase. The credit limit is 00, so obviously I’m over 50% of the balance, and I just learned that’s bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

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I have a few store credit cards (Macy’s, Banana Republic, etc) in addition to a major credit card. I want to cancel some of the store credit card, but I don’t know how that effects my credit rating. I think closing credit cards in general lowers credit scores, but what about those store cards?

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I have several credit cards that have annual membership fees required. But I do not use them and have no plans on using them in the future. I’ve been told that if I cancel these cards that my credit scores will suffer because of the cancellations. Is there a way to cancel these cards without causing anymore danage to my credit scores?