Originally Posted by dgwright99

If you are worried about 10-20 points either way then don't churn. If you have an otherwise excellent credit history then IME is doesn't maek much difference - I churn 3-4 mileage cards/year, and my FICO score is high 700s. A factor is the average age of accounts - so if you have a bunch of long-open accounts then closing newish accounts helps keep the average high.