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When to Downgrade Your Credit Card Instead of Canceling

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When you have a credit card with an annual fee, you have a couple options to consider if you barely use it: cancel the card outright, or downgrade to a lower-tiered card. Since credit cards can be debt traps, you might think that canceling the card is the best option, and that’s certainly a good reason to do it...but…

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When to Downgrade Your Credit Card Instead of Canceling
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