Established Contributor
Posts: 756
Registered: ‎09-12-2011
Re: HSBC Closed My card

While that HSBC card is closed, it will continue to report for the next 10 years or so.  You have zero balances on your 3 remaining cards, so your UTIL is just fine.  IMO, you don't need a new credit card right now.  Do not app for anything right now - you are too close to beginning the process for a mortgage.  Plant yourself in the garden, at least until after you close on your home purchase and your loan is funded.


Good luck!

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