Then, in reality, you don't really want to continue with these US credit cards.
But really do want to close them - pay them off - then close them.
What you want to do is open new credit card accounts once there and either transfer the balances.
Potential lenders take into account the amount of credit still in use once a card and its associated credit limit gets canceled. That's because credit bureaus and lenders are interested in what is known as a balance-to-limit ratio, also known as your "utilization ratio"
, which compares the amount of credit being used to the amount of total credit available to the borrower.
The ratio is more important than how much available credit you have.
From a lender's standpoint, "a low balance-to-limit ratio" is a strong indicator of good credit risk".
To offset the closure of one account, for example, you can request a credit limit boost on another card in order to maintain the ratio.
So, if you open new accounts and transfer the balances and/or pay off the accounts - that will not hurt your credit score but help your score.
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