How do I cancel my credit card?

Just call their customer support line and ask them to close the account. Simple as that.

If it isn't a big credit line to start with then you probably aren't impacting your score significantly, and even if it is we still aren't talking like it's a huge deal like being late 30 days would be.

You'll still have to pay any remaining balance of course but so long as you make the monthly minimums you can take as much time as you like although you should pay it off asap if interest is high. Closing the account just means you can't charge any more, they'll gladly let you carry a balance for a long time if they can collect high interest.

Like others have said, do not cancel the card if you can help it. This will lower your "average age of open credit lines"; which is a portion of your credit score.

Instead, you can cut the card up, freeze, sock drawer the card and not use it again. Just don't close it unless you really think you are getting yourself in trouble. Jmo

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What is the best way to cancel this because I've heard different things about it hurting my credit if i do?

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It can hurt your credit if you do not do it right, but I don't see the need in cancelling. Unless there is an annual fee that makes it not worth it I don't see the need to cancel.

Just a suggestion on what I do with cards I don't really want anymore:

Go on Amazon Prime and find something you use on a regular basis that is not much money. (coffee, toilet paper etc). Start a "subscription" for that and use that card that you don't want. That way you will have a minimal charge every month that will show activity. Just pay off that small amount every month while getting household item(s) that you would usually use anyways for cheap. And put that card in your safe, freezer...whatever so you're not lugging it around in your wallet and tempting you.

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I decided to get a credit card about 6 months ago because I was tight on money after buying a new house and having a baby.

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i am baffled that you were able to purchase a home without previously having a credit card. in my view, you gain nothing by closing the card. just take it out of your wallet and keep it at home. it is always nice to have it there if you need it. i have 2-3 that stay in a drawer at the house and only are used for certain things.

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Go on Amazon Prime and find something you use on a regular basis that is not much money. (coffee, toilet paper etc). Start a "subscription" for that and use that card that you don't want. That way you will have a minimal charge every month that will show activity. Just pay off that small amount every month while getting household item(s) that you would usually use anyways for cheap

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Not trying to hijack, but how do you find any items on Amazon for cheap that you can buy at Target or Walmart? Any time I look on there, it's like 3 times as expensive

Like Teddy said, there's a few. I don't dig for em a lot and set them up a while back. Community K-cups are $22 on Amazon for 3-12 packs. That's about the same as I'm paying at the grocery store or a tad cheaper.

I'm not doing it to save a ton at the store, I'm just keeping a 10 yr old shitty credit card active to bolster my credit rating.

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I price check stuff on walmart.com before I subscribe and save, and generally the pre-tax/pre 5% price is the same as walmart.com.

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this ^. i have found that amazon items are nearly the exact same as from other places. if shipping is included from another vendor with lowest price, amazon's price will match that price w/ shipping cost.

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think I'll just pay the balance off and either use it for a reoccurring bill or not at all.

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Please read this before you just stop using it.

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Subscribe & Save. You get 5% off the price and if you have 5 or more items in your order, you get 20% off the total price. It's most definitely not 3 times as expensive. I price check stuff on walmart.com before I subscribe and save, and generally the pre-tax/pre 5% price is the same as walmart.com.

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Maybe it's just the items I was looking at then. I browsed a few items I use monthly and stopped looking bc they were overly expensive.

I'll have to look a little deeper and see what else they have to offer.