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Closing Your Atlas Card: The Impact

Here’s what to know before you do.

Updated this week

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.

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