In a card closing mood recently

[s_rob7488]

I am contemplating closing a card I got thru a local bank back in 2008. The card has a CL of $1000 and hasn't ever changed but does have a 12% interest rate (but don't intend to ever have to carry balance). I went to the bank today to see what I have to do to close it, and I would have to write a letter stating that I would like to close the account and sign it and take it back into the bank and they'll fax it to the "consumer loans" department and then close the account. I asked the banker what the process is to get a CLI on the card and he said fill out the application etc and put request CLI. Then I asked what CR they pull and he said......get excited....ALL 3! uhh ok this conversation is over buddy thanks for your time. lol I wasn't that rude but I was a little shocked. I asked if that was a set in stone hard pull on all 3 and he said he would call just to double check and call me back this afternoon which I havent received a call yet. More or less, I have recently closed my discover card that i got the same year as this because they wouldn't budge on my CL and am thinking rather than take a hit on the CR which i absolutely do not want I should just close it. Does that seem like the most logical thing to do? My current cards in in my signature. 

[tcbofade]

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@s_rob7488 wrote:

 Does that seem like the most logical thing to do?

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IMHO, No.

If there is no annual fee, just sock drawer it.  Leaving it open and empty won't hurt you any....keeping an open line helps your score.