Whether it is left open or closed by your lender, letting a credit card become inactive could negatively affect your credit score.
I know how tempting those cards can be especially when you are building a new business. Avoid the problem a lot of new business people
find themselves in, the credit trap. Credit it meant to be used wisely so don’t keep saying oh 25 dollars i can pay that and before you know it
shit 100.00 min a month. I would use the banks money with a low interest line of credit with a co-signer if you need it. Now credit cards can really
help you leverage your money if you use them correctly. Keeping a small balances on them use every month for automatic pay on cell phones and pay
them down with your line of credit.