I had a great chat with a Chase-United CC rep today
One interesting story she related - she and DH applied for a mortgage and were told they had too many old CCs (unused) available to them. She then closed a bunch, and her score dropped - NOT due to utilzation! Mortgage rep said he had seen it before, when more than 2 cards were closed in 6 months. He said she should have closed two and dropped the CL on some of the unused cards.
So not even Chase CC reps know all the tweaks to FICO.
