Verde, I will give to you the only absolute truism in FICO scoring. It is NEVER to your advantage, from a FICO perspective, to ever, ever close revolving accounts, period.
When you close a revolv account, you instantly lose its CL against your % util. Closing an account will not close out the full CR history on that account, or delete any existing derogs on the account, so you dont close out prior sins. It merely puts it into an inactive status. Closing just starts a clock ticking, which upon ten years from inactivity, will erase it totally from your CR, and you will then lose alll prior ten year credit history for that account.......... Up until ten years from the date you go inactive on the TL, it will still count in your avg age of accounts, whether open or closed. Only a FICO benefit. No FICO negatives at all.
The ONLY reason to close an active account is to avoid any annual CC fees. But that is a financial, and not a FICO consideration.
Pure and simple, from a FICO perspective, NEVER close an existing CC.