Say I have a score of 800 and one credit card account. I pay off the due balance every month, and the credit utilization rate is around 10%. I want to open another credit card account and plan on also paying its due balance every month. I understand that my overall utilization rate will go down given that I don't plan on necessarily spending more per cycle. Perhaps that may raise my credit score somewhat.
If I decide after a year that I no longer want to use the new card and close the account altogether, will my score drop below the original 800 despite that my utilization rate goes right back to where it was before?