Hoping someone can clarify a little point for me. I just closed a Chase card before the annual fee was due, but instead of simply transferring the line-of-credit (LOC) to another new no-fee card, as usually recommended, I was offered the opportunity to consolidate it with another Chase card that I have. Since I just recently did a mini app-o-rama, I didn't want to have another pull (the CSR made it sound as though I'd need to get approved for the no-fee card). End result is that I have only one Chase card now, but with double the LOC. I'm having second thoughts now. Should I have still asked to simply get a new no-fee card and have the closed card's LOC assigned to it to keep the age of the card (open less than one year) and have the additional account on my credit report? Or does the fact that the LOC was merged with the other card's make it a moot point and have no effect for now (since I'll still be able to use that LOC for future apps with Chase, and the account will still be listed for the next 7 years in my credit report)?