Originally Posted by
Chelski
doesn’t automatically increase ur utilization if utilization=$0 or u trnsfr ute to a different card.
Also, who closed may not be important for next cc but can come into play if need a human review or worse yet auto loan or mortgage. Anything considered derogatory can impact other credit types. Creditors want to know if it was closed in good standing or closed due to delinquency.
It does not care who closed the accounts. Wells Fargo closed my CC during the peak of financial crisis. Citi closed my Home Depot CC due to inactivity. There are more. Who cares. You can explain easily if there were any human reviews.