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close it anyway. you can fix your util by paying more of your balances down. that card sucks. as the quote goes, "you are better than the gap."
@IECredit wrote:
@ NT my UTIL is around 10% now and will be around 5% when my last card reports(DCU lagging on reporting =\ ) just don't want my score to lower because of closing it
Were it me, I would close it. I just cant see any valid reason to keep paying those insane fees. Your credit will be fine..one guys opinion of course.
@IECredit wrote:
@ NT my UTIL is around 10% now and will be around 5% when my last card reports(DCU lagging on reporting =\ ) just don't want my score to lower because of closing it
I hear ya about that, but 15 a month is 180 a year and that is too much money. That card has taken you as far as it can now and its time to dump it. Closing the account doesn't hurt you as it will report positively for 10 years. It can increase your util therefore lowering your scores slighty, but you can take your deposit and pay off down any balances.