If you've ever regretted opening a new credit card, consider this before choosing not to activate it.
, which is the ratio of your total debt to total available credit. A new card provides a new credit limit and if you never use your card, the added credit limit can help lower your credit utilization rate.
While not using your card can help your utilization, it may impact your account status. If you don't activate a credit card and thus don't use the card, your account may be closed. Card issuers typically close accounts that aren't used within a certain time period, usually over a year. This may
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