Real ChatGPT answer · index seedmofxJ9DIALkcompleteFinance and banking · credit cardsinformational

What happens to my credit score if I close the very first credit card I opened back freshman year of college to avoid an annual fee?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What happens to my credit score if I close the very first credit card I opened back freshman year of college to avoid an annual fee?
2 real searches · 1 real-search pass
FICO closing credit card impact utilization account age closed account 10 years officialGoogle ↗
OBSERVED
Experian close credit card account annual fee downgrade product credit score utilization closed account 10 yearsGoogle ↗
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
FICO closing credit card impact utilization account age closed account 10 years official Google ↗
Experian close credit card account annual fee downgrade product credit score utilization closed account 10 years Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FICO closing credit card impact utilization account age closed account 10 years official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Experian close credit card account annual fee downgrade product credit score utilization closed account 10 years
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1