15个关闭信用卡的提示

您的债务与学分比率（或您的信用利用率）是与信用额度（可用信用额度）相比使用的信用百分比。您的FICO®信用评分的30％取决于您欠下的债务金额。高债务与学分比率可能会损害您的信用评分。

为了安全起见，重要的是要确保您的信用利用率不超过30％。If closing a credit card would send your debt-to-credit ratio through the roof (because by getting rid of one card, you could have less available credit relative to the amounts you’ve charged to your other cards), you might want to hold off on cancelling that account.