Is there any real difference in allowing the credit card company to close my account versus forcing it closed myself?I have had one credit card for a very long (20+ years) time. Last year the company said they would be changing terms significantly on the account and I could either accept the changes or the account would close when the card expires. I declined to accept the changes and got a card with my credit union instead.So now the expiration date is coming up on the card and I'm wondering if there may be an impact on my credit score (or other things) if the account says "closed by lender" vs "closed by consumer". The former sounds like the lender closed it because I was a bad customer or something... How do I make sure the account is "closed by me" instead?Any thoughts?P.S. I do realize that losing my 20+ year old account and replacing it with a brand new one will likely have a score impact, but there's no going back on that now.
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