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Thread: When to close a CC account?
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Old Aug 1, 2012 | 9:37 pm
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centrifuge41
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Originally Posted by friedablass
If the card has an annual fee I wouldn't wait until AFTER 12 months to close it; I would close it before the 12 months prior to the annual fee hitting.
And if it's a Citi card and you want a downgrade, I'd get the ball rolling at about the 9 or 10 month mark. That's because the downgrade takes 45 days, and I'd rather not hassle with having the annual fee get posted, then need to get rolled back.
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