Real ChatGPT answer · index seedeerypy412BgcompleteFinance and banking · budgeting and savinghowto

What steps should I take to safely close an old credit card with an annual fee without negatively impacting my credit utilization ratio?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What steps should I take to safely close an old credit card with an annual fee without negatively impacting my credit utilization ratio?
2 real searches · 1 real-search pass
CFPB closing credit card account impact credit score utilization ratio annual feeGoogle ↗
OBSERVED
FICO closing credit card utilization ratio closed account age credit historyGoogle ↗
OBSERVED

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.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
CFPB closing credit card account impact credit score utilization ratio annual fee Google ↗
FICO closing credit card utilization ratio closed account age credit history Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
CFPB closing credit card account impact credit score utilization ratio annual fee
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
FICO closing credit card utilization ratio closed account age credit history
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1