Originally Posted by
iexaltu
Yes, unfortunately, it could hurt you. Chex Systems does not function like a credit report where the good and the bad balance out to give you a score. The banks only look at derogatory information so watch it closely.
On the CC side, having it closed by them rather than you doesn't impact the score. On a manual review, it MAY raise a question, but it's fairly common to have cards closed for harmless reasons that it probably won't even do that.
But as iexltu says, Chex Systems is much more of an issue. Is it the bank account they are closing on 28th? I don't know if closing that first can avoid a CHex Systems hit. But check the report shortly after the account is closed.