Close unnecessary cards
Maybe the beautiful Helen of Troy could get away with asking for those late fees to be removed, but the rest of us need to stay on top of managing our accounts. Closing unnecessary cards could help you get organized. The keyword here is unnecessary. It’s a good idea to keep your oldest account open since the age of your accounts plays a role in your FICO credit score.
However, if your credit utilization will stay below 10 percent and your score can afford a short-term dip, consider closing debt-free accounts that do not provide you with your preferred benefits.
Probably all of us, at one time or another have blamed the Fates for our financial misfortunes. But any soothsayer worth his salt will tell you, only you are in charge of your economic destiny.