i have a wells fargo college visa credit card that has been active since october 2007. there's a $700 limit on it. i have been over the limit twice, but paid the fees right away. my card is currently paid off and i'm not using it because i use my alaska airlines visa card more often. so, 2 questions:
a) is it safe to close the account since it's paid off? or should i still keep it open and not use it?
b) since i have been over the limit twice, what are ways that i can improve my credit score?
thanks in advance for your time and answers.
Tags: