I agree 100% with this statement, very well written, but would also like to add that when people read to “destroy” your credit cards after they are paid off is sometime misconstrued as close the accounts. All of the literature I have read states to keep the accounts open and that closing them will impact your credit score in a negative way. So by saying ”destroy” your credit card should mean just cut it up or lock it up and don’t use it again. I hope this helps.
