It’s not always possible or even desirable to maintain the highest possible credit scores. Sometimes, other factors must take ...

When you have a credit card you don’t use, canceling it might seem like an obvious move. That’s especially true if the card carries an annual fee or you’re prone to overspending. But if you aren’t ...

Shut a card the smart way—protect your utilization, preserve history, and keep lenders seeing a long, stable track record.

A pending transaction is a charge that shows up on your credit card statement but hasn’t been reduced from your balance yet. Merchants may also place a pending transaction — or hold — on your account ...

If Jane decides to cancel a few credit cards, she should first focus on the ones that have an annual fee. If she isn't using ...

Recurring charges to your credit card can add up quickly, even if they’re small amounts. Sometimes known as gray charges, these show up on your statement monthly, biannually or annually, often as a ...

Scan 60–90 days of card/bank statements and make a “hit list” of anything recurring, vague, or annual — you can’t cancel what ...