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Hi everyone,

Two years ago, I converted my rather pedestrian Citi credit card to a cash rewards card. When I spoke to the customer service representative at the time, he noted that there were two card types available: a "regular" and a "world." I asked what the difference was, and he noted that there wasn't one that he could see. And so I opted for the "world" card. Upon receiving the card, though, I was surprised to see that the "world" card had no pre-set limit, and I wasn't interested in reducing my available credit ratio on my credit reports. And so I converted the "world" card to the normal card, and was assured that the "world" card would be closed.

To make a long story now short, I've just checked my three credit reports, and the original "world" card is still open and active. I do not have the card any longer, and a new one has never been sent to me since the original one two years ago. Why is this account still open?

Should I close this account? My available credit is being inflated quite a bit because of this card, and so closing it will, I know, cause some kind of hit on my credit reports. Should I close the account or let Citi close the account whenever (if ever) they feel like it?

Thanks, as always, for your help.

-Narn Ceredir
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