 And if you can find a better deal elsewhere or even consolidate them down to a 12-month 0% card, it may be a good time to switch. And be mindful of transfer and membership fees when you select a new card. Changes to your line of credit certainly need to be made with caution, especially when closing an account. You want to be conscientious of your credit score because sometimes leaving accounts open despite not using them can help boost your score. But absolutely avoid using accounts with higher interest rates.