Real ChatGPT answer · index seedMQoFyoDGoVscompleteFinance and banking · credit scores and repaircomparison
What are the credit score consequences of closing old credit cards that have annual fees versus leaving them open with a zero balance
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the credit score consequences of closing old credit cards that have annual fees versus leaving them open with a zero balance
1 real search · 1 real-search pass
FICO closing credit card account impact utilization age of accounts closed account remains credit reportGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model).
Searches and sources
ChatGPT1 real searches · gpt-6
FICO closing credit card account impact utilization age of accounts closed account remains credit report Google ↗
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- What Does "Closed Account" Mean on Your Credit Report? · experian.com
- How Long Do Closed Accounts Stay on My Credit Report? · transunion.com
- Does it hurt my credit to close a credit card? · consumerfinance.gov
- How credit limit decreases can affect your score · myfico.com