Question about AAOA. The general advice is to convert to a free card instead of closing it when the AF becomes due (if you're not planning to put spend on it). If you've had a card for only a year, is it not better to close it (as long as AAOA is well over that)? Or does it stay on your credit history anyway (if you close), and so you might as well hold on for the long term?

Thanks for advice on this.