AAoA Question...

[myjourney]

Just my 2 cents but ask for fee to be waived 1st

[knoregs]

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@Gibran wrote:

Thought about it and I think I'm gonna go ahead axe Cap One, take the immediate hit, but I'll let my new cards age and I don't plan on opening any new accounts for a while. I don't want to pay not one more cent of an AF to them.

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There won't be a hit for closing the CAP1... at least no for 10 years, give/take.

~kn

[09Lexie]

^^^exactly

[09Lexie]

^^^exactly

[djc1puno]

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@myjourney wrote:

Just my 2 cents but ask for fee to be waived 1st

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+1...give it another try to see if you can get the AF waived...then SD it or you can just close it altogether like you're planning

[Gibran]

I'm going to call them today and see if I can ge the AF waived. If so, then they'll get a reprieve for at least another year....LOL

[takeshi74]

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@knoregs wrote:

There won't be a hit for closing the CAP1... at least no for 10 years, give/take.

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^ This.  The immediate hit is to utlization but there probably won't be much of a hit if the CL is $500.  OP can calculate the effect on utilization.