Question/Comment: A business advice columnist in The Oregonian recently answered a question about canceling a credit card when the issuer changes the terms. One of her comments was that it always has a negative impact on one’s credit score to…

As this ‘bQandA evolves, I’ve taken to asking real economists (i.e., ones with Ph.D.s) to read both your questions and my answers, and comment on any or all of them. This installment’s “guest vetter” is Martin Neil Baily, now with…