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telepathygalorez

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Whats best for score, don't use credit card or cancel?
What's best for my score, reject an APR increase, (can't use card) keep but dont use or cancel card

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Keep, but don't use.

The amount of credit granted by that card is a positive on your credit score.  If you aren't using it, just make sure it is in a very safe place.  I have a small portable safe at home for mine.

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