Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to close a credit card [title] Determine which card to close. [step] Think about why you are considering closing the credit card. It may have higher fees than other cards, be specific to a store you don't shop at any more, or may be simply go unused.

Ending1: [substeps] Review your list of cards to try to determine the one that fits your needs the best. You may be willing to try another card that you only used for free. Ending2: Take a step back for a day and figure out what factors led to you to close the credit card, the rationale behind why you closed the card. [substeps] Before you make any decisions about the credit card, consult an attorney. Ending3: Whatever the reason, make sure that you want to close this card. Closing a credit card account can be a somewhat trying process and can have a temporary, negative effect on your credit score, so don't take these decisions lightly. Ending4: Usually, most credit cards will close on their own. In turn, the shop owner will close the card that gives them the highest fees.

Answer format: ending1/ending2/ending3/ending4