What is more favorable on a credit report? If the bank closing a credit card or if the cardholder close it? Is there a difference? Katalin Goencz CIC MedBillsAssist a division of O&K Consulting Phone: 203-569-7610 Fax: 203.973.0367 katalin at medbillsassist.com http://www.medbillsassist.com/