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Is it bad for your credit to close a bank account? |
I have received rude service from my bank. I sat for over an hour waiting for an employee to receive a card to setup my account for direct deposit. The employee was obviously on a personal call, and 3 people told her I was waiting. She continued on with her call. Open another account first then close this one. Nope. It has nothing to do with your credit. As long as you are in good terms with them, go ahead and do it. Bank account closures will not affect your credit. Will not be reflected on your credit report at all. No, a closed bank account doesn't affect credit (history of bad checks is another story, but that affects your ability to open another bank account, not credit accounts). A CLOSED CREDIT CARD affects your credit report in a bad way (so if you have zero balances, don't close the card). No it has nothing to do with your credit as long as you don't overdraw. |
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