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Closed my BBRZMC today have no use for it with the 300 limit and $59 OAF . Next will be Credit One since it will be a year old in Feb. . I am not replacing them with anything right now staying in the garden until I get a house. I have been using my QS for everything and will get my credit steps increase soon plus I still have my merrick secured and Cap1 plat cards so plenty of open accounts.