Alright guys, I'm back! So... here's what's up. About a week ago I got to thinking if I could lower my current 13.24% APR with my Citi Credit Card down to something lower. Upon calling Citi, I made up a story explaining that another credit card provider was offering me a credit card with 0% for one year and a 0% APR (also for one year) with the balance i'd be transferring over from my current Citi Credit Card. The Rep. I was on the phone with transferred me to some higher up, of which I believe was simply a person who spoke with a bit more clarity and confidence. This representative told me the best he could do is give me a promotional APR for the next 6 months, of which he did, lowering my current APR of 13.24% to 7.99% from now on till mid-May 2011. This was after all my intended outcome; to lower my APR anyway that I could. . . . ...But then I got to thinking.. I've never really been a fan of Citi Cards. I got their credit card back in 2007, when I was a young and wanted to begin to establish credit. The only reason I chose Citi back then was cause they were the card providing me with the highest credit line at $700; which I believe is good considering I was only 19 at the time. Since then my credit line has raised up to $4,800. Every year in January I get my credit report from the 3 major unions and make sure to stay on top of my finances and know where my credit is at. At the beginning of 2010 my Fico Score was at 715. But the point remains that I'm not that big of a fan of Citi Cards. Their customer phone support is a horrible experience every time I speak with someone that is obviously thousands of miles away from the U.S. & though there are now a few Citi Branch locations near where I live (there weren't any years ago), these locations cannot do much with my account; where tellers have always referred me to the customer support phone number saying the braches usually deal with loans, mortgages', etc. So here is what i'm asking in this thread: I've heard time and time again that it can hurt my credit score if I decide to close/cancel one of my existing credit cards (My case, Citi Card). I cannot deny the appeal of wanting to evolve from this Platinum Citi Credit Card to a Credit Card that would provide the incentive of 0% for one year, 0% APR for the balance i'd be transferring over from my current Citi Card...and in all honesty would love to break free from the horrible customer support of Citi, and perhaps find a card that provides flyer miles. But again, my concern revolves around the common story that closing a credit card hurts my credit score; something along the lines of it being important to keep a card open for 7 years since last using it...or something like that. So let's talk..