To close or not to close, that is the question.

What was your experience like the last time you went through the process of closing a credit card account? Was it smooth sailing or did you encounter rough waters?

How long were you on hold? Did you get to talk to someone with a pulse or did you face minutes of voice-activated warfare?

One Blogger tells his story HERE He describes how he spent 10 minutes talking to a "specialist" who tried various tactics to get him to keep the card.

Speaking of closing out credit card accounts, how do so without damaging your credit report." Credit Report News " offers some tips on how to do this.

For more helpful information about how and when to close credit card accounts as well as when not to close them,check out the following pages:

Liz Pulliam Weston - "When to close credit accounts"
Dan Hersam - "The agony of closing a credit card"
Internet Broadcasting Systems, Inc - "Closing Credit Card Account: Do It Right"
Stacy Johnson- "Closing Unused Credit Card Accounts Is Wise Move"
Neil Downing - "Think twice about closing out a longtime credit-card account"
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Michelle Singletary- "Closing accounts of unused credit cards can improve credit rating "