How do I get rid of a credit card without hurting my credit?

Getting tired of the giant monster mega back. I want to get rid of a credit card without hurting my credit.|||Getting rid of a credit card only makes sense if it's a very high interest card. You need to several open accounts on your credit to keep your credit strong. If you already have other credit cards open, then closing one is not a big deal but you need to have open revolving lines of credit on your file. As they age, this helps your credit. The older your open accounts are, the better. If you close it, you have to start again. Just because you have a credit card does not mean you have to use it and max it out. Keep the account open and keep the balance nice a low. Also, I don't know what the giant monster mega back is but I hope this helps.|||Please don't pay attention to those who say you don't need credit. What happens when you want to buy a house? Lenders want to see you can pay borrowed money back; they want to see a history.





Unless it has an annual fee or that it hasn't been open for a while already, you shouldn't close it. Just keep it open and pay attention to your statements.





You don't even have to carry it with you, just keep it in a safe place.|||No matter what you do with a credit card account, it will hurt your credit, but just a little (maybe 10-20 points) if your other accounts are current and not in arrears. I would pay it off and close the account.|||if you have other credit card and that is older than this one, closing this card will not hurt much.





you might find useful http://www.cashorcredit24.com/should-you鈥?/a>|||You "get rid of it" by paying off your balance and then closing the account.