That depends on the age of his other accounts, his utilization percentage, etc. First Premier's CLs are never high, so I doubt his utilization %age will be affected even if they were reporting a CL. If he has a number of accounts older than 2 years, and he has other open bank cards, I doubt its removal will affect his score much at all since it wasn't a negative account.
Starting Score 7/5/10: 498 (EQ)oh ok, i see. thanks for your input 
i wouldn't even know how to calculate the usage and all that.
To calculate usage, look at his available credit and the total of his balances.
For example, if he has a Cap1 card with a limit of $1000 and a balance of $200 and and a Discover with a limit of $2000 and a balance of $500. Then he has $3000 in total available credit and he's using $700 of it, or about 23.5%.
You want to keep you utilization under 30%. Under 10% is better.
Except that First Premier charges a monthly fee for the use of their card (6.95 per month, I think) which makes the annual fee over $80 per year. That's a ridiculous cost for such a low-limit card and not worth it if you have other good lines of credit going. Plus with the fee being charged monthly it makes it far too easy to accidentally hit 30-days late if a payment is forgotten or something goes wrong with an auto-pay. You can't sock-drawer the card. You have to be sure to pay every single month. First Premier was my first card to dump as my credit improved. Honestly, I wouldn't suggest it to anyone unless no one else (Orchard, Cap1 secured, etc.) would approve them.
