Elizabeth Ayoola

Let's move on to the second part of the question now. So the listener asked whether they should cancel their card. Can you talk us through what the pros and cons of canceling a credit card are?

I love that nerdy advice. And I actually yesterday was scrolling through my own travel credit card benefits. And I saw that I had discounts and also more points when I use my card for rental cars. So I will be using that during the summer in an upcoming trip.

I love that nerdy advice. And I actually yesterday was scrolling through my own travel credit card benefits. And I saw that I had discounts and also more points when I use my card for rental cars. So I will be using that during the summer in an upcoming trip.

I love that nerdy advice. And I actually yesterday was scrolling through my own travel credit card benefits. And I saw that I had discounts and also more points when I use my card for rental cars. So I will be using that during the summer in an upcoming trip.

Credit card debt is becoming increasingly expensive. There's been a rise in delinquency on credit card debt in recent years. Keith is choosing to opt out of them altogether or only have a few credit cards. Melissa, what implications could not having credit cards have on one's credit score?

Credit card debt is becoming increasingly expensive. There's been a rise in delinquency on credit card debt in recent years. Keith is choosing to opt out of them altogether or only have a few credit cards. Melissa, what implications could not having credit cards have on one's credit score?

Credit card debt is becoming increasingly expensive. There's been a rise in delinquency on credit card debt in recent years. Keith is choosing to opt out of them altogether or only have a few credit cards. Melissa, what implications could not having credit cards have on one's credit score?

I know with my credit, I have maybe like two credit cards that are idle, so I don't use them. So is that an option for people if they don't want to cancel their card? Can you just leave it there idle?

I know with my credit, I have maybe like two credit cards that are idle, so I don't use them. So is that an option for people if they don't want to cancel their card? Can you just leave it there idle?

I know with my credit, I have maybe like two credit cards that are idle, so I don't use them. So is that an option for people if they don't want to cancel their card? Can you just leave it there idle?

Melissa, do you have anything else that you think the listener or anyone else who is considering closing their travel credit card should think about or how to basically maximize their points and their benefits?

Melissa, do you have anything else that you think the listener or anyone else who is considering closing their travel credit card should think about or how to basically maximize their points and their benefits?

Melissa, do you have anything else that you think the listener or anyone else who is considering closing their travel credit card should think about or how to basically maximize their points and their benefits?

Absolutely. And I'm going to add in there that that it may be a good idea to also budget for the annual fee and set a reminder wherever you set your reminders, be that in your calendar or anywhere else, for when the annual fee is coming up. Budgeting for it can ensure that it doesn't throw your budget out of whack when you're suddenly hit with an annual fee that you weren't expecting.

Absolutely. And I'm going to add in there that that it may be a good idea to also budget for the annual fee and set a reminder wherever you set your reminders, be that in your calendar or anywhere else, for when the annual fee is coming up. Budgeting for it can ensure that it doesn't throw your budget out of whack when you're suddenly hit with an annual fee that you weren't expecting.

Absolutely. And I'm going to add in there that that it may be a good idea to also budget for the annual fee and set a reminder wherever you set your reminders, be that in your calendar or anywhere else, for when the annual fee is coming up. Budgeting for it can ensure that it doesn't throw your budget out of whack when you're suddenly hit with an annual fee that you weren't expecting.

Melissa Lamberina, thanks for coming on and answering these questions. Or should I say mahalo nui loa? It's been a pleasure to be here. And that's all we have for this episode. Remember, listener, that we are here to answer your money questions. So turn to the nerds and call or text us your questions at 901-730-6373. That's 901-730-NERD. You can also email us at podcast at nerdwallet.com.

Melissa Lamberina, thanks for coming on and answering these questions. Or should I say mahalo nui loa? It's been a pleasure to be here. And that's all we have for this episode. Remember, listener, that we are here to answer your money questions. So turn to the nerds and call or text us your questions at 901-730-6373. That's 901-730-NERD. You can also email us at podcast at nerdwallet.com.

Melissa Lamberina, thanks for coming on and answering these questions. Or should I say mahalo nui loa? It's been a pleasure to be here. And that's all we have for this episode. Remember, listener, that we are here to answer your money questions. So turn to the nerds and call or text us your questions at 901-730-6373. That's 901-730-NERD. You can also email us at podcast at nerdwallet.com.

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