What are the pros and cons of closing a credit card with an annual fee versus keeping it open with a zero balance during my retirement years?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the pros and cons of closing a credit card with an annual fee versus keeping it open with a zero balance during my retirement years?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
FICO closing a credit card impact credit utilization account age closed accounts remain credit report 10 years Google ↗
CFPB credit card annual fee downgrade product change no annual fee card Google ↗
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- How Long Do Closed Accounts Stay on My Credit Report? · transunion.com
- How credit limit decreases can affect your score · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO closing a credit card impact credit utilization account age closed accounts remain credit report 10 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB credit card annual fee downgrade product change no annual fee card OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |