Credit cards and moving on

You have the right to shop around for the best credit cards rates.  If your current credit card company won’t play nice, go find another.  Good credit card offers, regardless of your credit profile, are available in a variety of rates and terms and conditions.  Just make sure when you close your old credit card account that you send a letter stating that you are choosing to close the account.  Who closes the account and under what circumstances all impacts your credit rating.  If you’re going to close an account, pay off the credit card balance first or do a credit card balance transfer to another card.  When all is said and done, check your credit report for accuracy.  If the report says that the account was closed at the request of the credit card company, call them up and get that fixed.  Always manage your credit card services, the credit card company charges interest and works for you.  Make them work harder.