"How can we help you today?"
"I'd like to close my account."
"We're sorry to lose your business. Is there any particular reason you're closing your account?"
"Well, I haven't used it in two years, and I didn't even know it was still open."
So at any rate, as far as my credit rating is concerned, it's as though I just lost 4000 dollars of debt. Now to reduce the spending limit on my remaining two (hopefully) credit cards.