Thinking about closing a credit card? Don’t let it hurt your credit score! ✨ Here’s how to do it the smart way: 1️⃣ Pay off the balance completely. 2️⃣ Redeem or transfer all your points or miles—don’t leave value behind! 3️⃣ Call the issuer and ask if there’s a no-fee option to downgrade instead of closing. 4️⃣ If closing is the best option, make sure it’s not your oldest card (that affects your credit history). 5️⃣ Monitor your credit score afterward to see the impact! 🛫 Master the art of man

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