Closing your Atlas account may seem like a small decision, but it can affect your credit in a few key ways:
How it can impact your credit score
Credit utilization – You’ll lose available credit, which can raise your utilization ratio and lower your score.
Account age – Closing an older account shortens your credit history, another factor that can lower your score.
Why keeping your card open helps
Keeps your utilization low – helping you maintain a lower utilization ratio
Preserves account age – supports a stronger credit profile over time
Our recommendation
Before closing your account, consider alternatives - especially if you're working to build or maintain your credit. Keeping your Atlas card open (even with minimal activity) can support your long-term credit health.
FAQs
Q: Will closing my Atlas card hurt my credit?
A: It can. You may lose available credit and reduce your account age—both can lower your score.
Q: How do I close my Atlas account if I still choose to?
A: Contact support through the app or email [email protected]. We’ll guide you through the process.
Q: What if I’m not using the card anymore?
A: Even if you don’t use it often, keeping your card open can help your credit by maintaining your available credit and account history.