Dr.Mark wrote:Thanks for the answers guys.
I'm pretty sure there's no such thing as a FICO Score here in the UK. Everybody seems to be using Experian, or at least most of the lenders. I'm sure AMEX does use Experian for example.
My only doubt right now is whether I should ditch the Green AMEX or keep it. I really don't know what would do better to my score...
In the USA, closing a card doesn't have an immediate adverse affect, especially a charge card, since there's no credit limit per se, and utility is not adversely compromised. The TL stays on the credit report for 10 years, even when closed. It would be interesting to know if the same holds true in the UK on whatever reports one is searching, if the closed TL stays on the report for a certain period of time.
EDIT: Personally, if it were me and there was nothing adverse from doing so, I'd close the Green. The AF for it probably can't be justified in light of having the PRG card.