[Clairity]

I think if the customer closes their own CC it doesn’t impact their credit rating. If you would close all your cards, that would leave you with no credit available, that probably would harm your rating.

[D-fendr]

I think if the customer closes their own CC it doesn’t impact their credit rating.

Common misconception. Doesn't matter who closes it. What matters is you lose a positive credit tradeline. And the longer (older) that line was, the more it hurts your score.