You can close a card at any time at the consumer request.
However, that does not delete or cancel their credit reporting.
Only the creditor can report deletion of the accounts.
Are you considering requesting deletion of the accounts, or just closing the cards?
The impact will be variable.
Depending on the scoring model there may be some effect for losing an old tradeline. The account will stay on your reports for around 10 years so that should help.
How will you utilization look after closing the cards? If your utilizations is pushed above 9%, 30%, 50%, 70% or 90% by losing available credit you will likely see another downward trend for your scores.
|TCL: $306,100||Utiliz: 6%||AAoA: 5yrs 2m||Other: Lease, Loan, *No Mortgage||Collections-Lates-BK's: 0|
Something else to consider is that if there is something else going on with your reports that's causing Synchrony to take AA your volunteering to close the accounts will likely not help matters, and could even make the situation worse for your remaining lenders.
Just my 2¢.
I would just keep them open so that 10 years from now or longer you'll still be getting that nice positive AAoA impact from them. Even if you cut the cards up and never used them again there's a chance Synchrony would keep them open for even a few years or longer before cancelling them.
Wondering if I canceled them all would it hurt my scores in any way.
See the Closing Credit Cards thread linked in the Helpful Threads sticky in the Credit Cards subforum. Don't overlook resources such as the sitckies and existing threads.