She has no lead . There is no national election in the U . S . for President . There are 50 separate elections . The States vote individually . <| sep |> Went hiking in my stmo moose boots yesterday to work up an appetite for today . I usually dress super blandly around my family , but I might wear my Cambridges or something todayAlso my favorite part of color 8 shell is how cool it looks in direct sun and how subtle it is <| sep |> I see two paths for you . 1 If you ' re closing your LoC , removing overdraft , etc . it tells me maybe you don ' t want to have credit available don ' t trust yourself , etc . in the future . If that ' s your plan , and it ' s tailored to your own habits with money , then I would proceed and just not worry about what it might or might not do to your credit score . Credit score is far less important than your overall financial health . 2 If however , you have the discipline to have overdraft protection and a line of credit , I would keep them open . I accepted my bank ' s mailed offer of a LoC , and have never used it . I also have never used my overdraft . I also pay my credit card in full every month . My credit score is over 800 . They look at a few things beyond just how reliable you are at paying on time . They look at how old your credit is so don ' t close your oldest credit accounts , and what percentage of your available credit you have outstanding having high limits on your cards , and only using a low % of it , is good . Ultimately it ' s a secret formula and nobody on here can advise with certainty how to ' win '. But I can say that having some credit available , and using it sparingly , is almost certainly better than not having any credit , in the context of your credit score only .