Originally Posted by pinguy

I have an old Chase cc. $900 CL after using some of it's CL for newer Chase cards. Seven years old. No points, miles or anything. Just a cc with a small CL. I never use it. Chase sent me a letter saying it would close automatically in two months - even if I use it before the close date. They aren't closing it for credit issues, they seem to be closing because it's been inactive for so long. Their letter said I can call and request them to leave it open and they will do a 'credit analysis.'

I know a seven year old cc positively affects my credit report and score but I'm not sure by how much.

I will call them and ask them to leave it open as long as they don't do a hard pull. My question is: Is it worth a hard pull to have it remain open? My FICO score is 804 and I have no negs. Thirteen cc's open after my last AOR two weeks ago.

Thanks