Hold on now....Slooow down
Why not allow, your other cards to mature a bit before you pull those CLs from your overall profile ( yes, they are ish cards, no doubt but why the mad rush to close them, what's plan)
How aged are they?
What size are the CLs?
Are AFs coming up or something?
I'd let the Navy Plat age
Allow the Credit 1 & the Milestone to hang out on the profile with 0% debt ratio, thus helping the overall debt ratio and allow for aging and history to work in your favor.
Don't get me wrong, I congratulate you on getting your Navy approval ( they are my #1) but in fairness for Navy 2k is a lower line for them, meaning something about your profile held them back from the SLs they are known for.
So perhaps leaving those two cards on your profile as more 'paid as agreed' open 0 usage but added into available CLs could actually be to your benefit?
Trust me I know, you want to drop both those bad habits ASAP but you want to have an endgame, 2 or 3 steps already in place.
Are the accounts new/young....If not how well managed have the been over the past year to o my get what Navy gave...We've gotta find where the smoke is coming from and address it or a new fire may appear.
