@Anonymous wrote:
The other card are now closed, and I was wondering if this will effect my AAoA will it report to my credit file?
There's a sticky for that. See the Closing Credit Cards thread linked in the Helpful Threads sticky.
@Anonymous wrote:
I'm aware I already got hit with inquiry but i didn't get ding with the score, in fact I got increase a few point becuase of the inquiry. BUT I am sure I will get ding on score once the account report because of the new credit line.
That's incorrectly assumed causality. HP's can have little impact depending on credit profile but they do not improve scores. You're overlooking other changes in you report. To determine the causes of any scoring change you need to carefully review reports from before and after the change.
@Anonymous wrote:
Also would the combined impact my score, or should i call them back to keep both cards and revised my request?
Your score is based on the standard factors so it all depends on how combining impacted those factors.
http://www.myfico.com/crediteducation/whatsinyourscore.aspx
Combing limits doesn't change your revolving utiliation. It's really opening the new account that impacted your scores.
@Anonymous wrote:
Even though I closed the account immediately and never used the card its still reporting?
Whether you activate or use the card or close it immediately does not matter. If you apply you should be prepared to have the account report when approved.
@Anonymous wrote:
IF this is the case then I think I would revised my request and have both account so i build relationship with them?
Some would say yes but you don't need to rely on relationship. If your credit supports an approval, CLI or APR reduction you'll get one. If it does not, you won't. Relationship may help a little in some situations but it will not make or break an approval on its own.
You've already made the changes. Next time carefully research before taking action.
