one item i did not note in the responses (i may have overlooked) isthat if you opt to close an account, request that the closing reflect it was done at the customer's request - and do that in writing. if/when u do a check of ur credit history, and the closing is not so refelcted, u can go back to the credit agency and request correction.There was a sample credit card close letter posted here early this year. I used it to close a CC with Fleet. I haven't checked my credit report since I did that, though. If you want a copy of the letter, let me know.Ayla
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