Closing a credit card you have had for 10 years, but rarely use, will have no effect on your credit score since the account was inactive. True or false?

Even a card you rarely use contributes meaningfully to your credit score in two ways. First, its credit limit is included in your total available credit, which helps keep your overall utilization ratio low. Second, its age contributes to your average account age, which factors into your credit score. Closing it removes both contributions simultaneously. Lenders may eventually close inactive accounts on their own, but proactively closing an old card is usually a mistake unless there is a compelling reason such as a high annual fee.