It seems like Blispay is done for. Should I preemptively close Blispay before they do? Or, does it really matter to a FICO score whether it says closed by grantor vs. individual?
I left mine alone. Honestly, it wasn't hurting anything profile-wise IME.
Well, not with 1M in credit, I wouldnt think it would LOL ...My EX file needed to be cleaned up a little anyways, so one less card reporting was a good thing for me
As others have stated it's really just a preference and makes no difference in scoring. You can choose to wait it out or just get it over with and close it. If I had it, I would probably close it since it really does seem they are done for, but you also don't really have anything to lose keeping it open. Totally up to you.
Left mine open as well. I'll go right back to using it if they go live again.
It's still reporting monthly as active, so I've nothing to lose by leaving it be.
I don't have one but my daughter does. I told her to leave it open for now, as I see no real downside (well, I guess if they CLD it while open, it will show a lower total CL than if you close it, but that doesn't really matter). And there is just a possible upside, in a nice world, if they recover/get bought, they could provide a small credit for the inconvenience. Yes, delivered by a flying pig....
I agree that there's no right or wrong answer here.
I decided to leave it open just in case something "interesting" happens with it.
Assuming it survives in its current form (which isn't likely) if they do start allowing new charges again I would never actually depend on it, of course.