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	Comments on: Will closing my credit cards hurt my credit score? The surprising truth	</title>
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		By: Life hack: How to beat credit card interest - Credit Simple		</title>
		<link>https://content.creditsimple.co.nz/closing-cards/#comment-47</link>

		<dc:creator><![CDATA[Life hack: How to beat credit card interest - Credit Simple]]></dc:creator>
		<pubDate>Sun, 26 Aug 2018 19:56:10 +0000</pubDate>
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					<description><![CDATA[[&#8230;] Whether or not you pay interest won&#8217;t affect your credit score, but you do need to be careful to pay at least the minimum payment each month on time otherwise you could be looking at a payment default (which does affect your score). If you&#8217;re wondering about whether closing your credit cards will affect your score, we&#8217;ve got more on that here. [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] Whether or not you pay interest won&#8217;t affect your credit score, but you do need to be careful to pay at least the minimum payment each month on time otherwise you could be looking at a payment default (which does affect your score). If you&#8217;re wondering about whether closing your credit cards will affect your score, we&#8217;ve got more on that here. [&#8230;]</p>
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		<title>
		By: Credit cards: Why a low-interest or balance transfer credit card could work for you - Credit Simple		</title>
		<link>https://content.creditsimple.co.nz/closing-cards/#comment-44</link>

		<dc:creator><![CDATA[Credit cards: Why a low-interest or balance transfer credit card could work for you - Credit Simple]]></dc:creator>
		<pubDate>Wed, 22 Aug 2018 23:19:12 +0000</pubDate>
		<guid isPermaLink="false">https://content.creditsimple.co.nz/?p=8408#comment-44</guid>

					<description><![CDATA[[&#8230;] Even if you can qualify for a balance transfer offer, consider your plan for paying down the debt before you go ahead. You may be wondering how a balance transfer might affect your credit. Depending on your credit history, it might lower your credit scores in the short term, but in the long run, if it means you&#8217;re getting on top of things, you might end up in a better position (more about this here). [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] Even if you can qualify for a balance transfer offer, consider your plan for paying down the debt before you go ahead. You may be wondering how a balance transfer might affect your credit. Depending on your credit history, it might lower your credit scores in the short term, but in the long run, if it means you&#8217;re getting on top of things, you might end up in a better position (more about this here). [&#8230;]</p>
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