I have a Wells Fargo Home Improvement card that I took out to get a no interest loan to replace my air conditioner, which had been dying, and my furnace that su

I have a Wells Fargo Home Improvement card that I took out to get a no interest loan to replace my air conditioner, which had been dying, and my furnace that suddenly died. I paid it off without paying a cent of interest and have not used it since. I suspect a lot of their customers in this category did the same thing as me. I suppose this may slightly lower my credit score as it will lower my total available credit. On a related note: Something is up with Wells Fargo. I looked at them to refinance my home and in the middle of the refinance process a news story went out that they were temporarily not taking on home finance loans and they cancelled my in process refianance shortly thereafter without saying a word to me. I went with another bank and got a lower rate, so I guess I should thank them.