Which one has a negetive impact, the account holder closing an account or the account grantor closing the account?
I have been told that it looks better if its the account holder that is closing the account however, A closed account is still a closed account. The grantor can close an account for many different reasons and other creditors know this. I had an account closed on me simply because the store I got the card through quit using that bank and quit offering that card. That account was closed by the credit grantor nothing I could do about it and nothing I did wrong either. So I think a closed account just looks like a closed account but again I am not for sure its just an opinion.
As long as the account is closed in good standing there should be no negative impact regardless of who closes the account. A closed account will continue to contribute positively to your length of credit history for 10 years before it falls off your reports.