Hi everyone, It has been a while since I posted. I saw some people were asking if closing the card would hurt their credit. I am not sure but everyone I have talked to mortgage brokers, and etc tell me it will. I could never figure out what I wanted to do, but I decided to close mine because I have enough cards and I never use this card anymore and I didn’t see the point. Now this card was not my oldest card so it may effect others differently. All I know is I paid this card off and closed it and my credit score went up! Isn’t that strange? It could be a coincidence but when I checked my score last week a couple of days after closing the account to see what kind of impact it would have my score went up 29 points. In the end I think it just depends on you personally and your personal credit history.