Just got married and me and my wife have several of the same credit cards. We obviously don’t want to both be paying annual fees for the same cards. Is there a way to consolidate these where we don’t get our credit dinged for closing out the cards?

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Downgrade them to cards with no fee. If that's not an option, you'll just have to close them. If they're in good standing, they stay on your report for 10 years (7 years if not in good standing), although you'll be still be impacted immediately by the reduction in total credit limit. Will be fine though.

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Honestly closing cards doesn’t ding your credit too badly as long as you have a decent line of credit open. I’ve been churning for 10 years and my credit is in the 800s

If you end up closing the cards, ask to transfer the limits to other cards if applicable.

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