Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
Re: store clerk tricked into opening card

martinkk wrote:

I'm curious. If OP closes and inquiry stays then won't it look like he was denied credit to creditors pulling his credit later? Since he already took the HP, why would it not be better to accept the account and just SD the card? I know AAofA might be less, but utilization would be lower, right? I' m still new here so just trying to get it all straight in my mind. 

I would say possibly keep it since he's lookin to buy a ring soon from what I understand and depending on the credit limit Smiley Very Happy

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758