Do not close the card cause it lower you available credit line. You also can use this service to pre-estimate future scores for different scenarios of credit card payments. - freecreditreport.hotusa.org

should help you find the card that is right for you. I am with Chase and Discover, and I would never go with another company. Good Luck!

yes

In response to your question….none.
Get a job or another source of income to pay for anything that you feel you need to buy.

The bank has to tell them who closes the account. If you call up and close it, then they are obligated to say “closed at consumer request”. Though you may want to put your request in writing just to make sure its done properly.

Unfortunately… Yes.

If you call them up and negotiate any kind of “break” that allows you to pay less for a couple of months then this will be reflected on your credit report.

Since you are planning to refinance your mortgage and need stellar credit to do so… it would be better to tough it out and keep the normal minimum payment schedule going.

You should probably wait two or three months. Most important thing is to cut the card for that account into about 100 pieces. Do not use that account. If you have the card you will use it and then you will have both accounts to pay on. With the new account be sure to make monthly payments on or before the due date. Make as much as payment as you can so you pay down the debt.
Too many open accounts, even if they do not have anything on them will hurt your credit score. Do not close them all at same time. Close one or two a month.
Credit score does not jump up fast. Over time it will improve. 6 months from now it should be better than today. A score of 700 or better is good.

Close it right away. If you have had problems managing credit cards you don’t want to have the temptation of having one sitting around calling your name!

got mine from NHBS, Inc, their student credit card program are designed with the college students in mind….

all d best to you

If you were carrying a balance, there may be one more payment due for interest from the last period.

If you have the will power to only use it for essential purchases that you will be able to pay in full when the bill comes, it can help your credit to leave it open, especially if it is your card with longest history. Part of your score is percentage of available credit you are using (wisely), and reducing available credit increases percentage being used, which can lower your score.