What is the procedure for closing an old secured credit card and getting my security deposit back without hurting the credit I built from scratch?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the procedure for closing an old secured credit card and getting my security deposit back without hurting the credit I built from scratch?
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). 1 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
how closing a secured credit card affects credit score payment history closed accounts remain credit report 10 years utilization CFPB Google ↗
secured credit card security deposit refund after closing account issuer process official bank guidance Google ↗
- AnnualCreditReport.com · annualcreditreport.com
- Secured Credit Cards | Georgia Attorney General's Consumer Protection Division · consumer.georgia.gov
- Understanding secured credit cards · capitalone.com
- How long does information stay on my credit report? · consumerfinance.gov
- How Long Do Closed Accounts Stay on My Credit Report? · transunion.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
how closing a secured credit card affects credit score payment history closed accounts remain credit report 10 years utilization CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
secured credit card security deposit refund after closing account issuer process official bank guidance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |