Cards on the chopping block

[baller4life]

Transferring limits from Barclays RMC and US Airways to Ring and closing both. Closing Diners Club before another annual fee is due. Thought it would be my pry bar to bigger limits. But looks like the thing won't even report. Not worth af to me. Will PC Citi Diamond Preferred to Double Cash.

[chwebb1]

I haven't made any firm decisions yet, but I'm seriously considering closing my Double Cash. I get 1.25% cash back on my Bank Americard Cash Rewards card, and I think I'd rather deal with fewer accounts (with better APRs) with better customer service than to get .75% more cash back. But I haven't decided for sure yet. All of my other cards I'm very happy with, and I have no plans to cancel them.

[Anonymous]

I haven't had any issue with the Citi website yet. I might SD my Freedom, as it is irrelevant next to Discover IT. My Amazon Visa might also go on the block, because SM is just better. However, I might use the intro rate on SM to pay my tuition for a year, which means I can't get rid of the Amazon Visa or PC my BCP to a BCE. 

[daybreakgonesXe]

TD Easy Rewards and Shell Drive for Five

I'll get rid of them...eventually. I'd rather have my ultimate line-up of cards before I let them go.

[Anonymous]

I am thinking of Chase freedom. Its a redundant card for me

[Anonymous]

My Cap 1 secured.

[ojefferyo]

My cap1 cards, they are a goner. 

[Anonymous]

As soon as my balance transfer goes through, Credit One Bank is gone.   That's a no brainer.   I have to say, I'm fighting with Cap One, I think it's time to close the Quick Silver ($2500) and the other one ($1000) l That's going to hurt my credit score, Cap One and Credit One are my oldest cards.  OMG.  Did I reallly fall that far??    I just was approved for $8k for Discover and $800 for Freedom.  I'm looking to get an Amex as soon as Credit One is closed.  I don't think I need the other 3.  All advice is welcome.   I love you guys!!! 

[Anonymous]

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@chwebb1 wrote:

I haven't made any firm decisions yet, but I'm seriously considering closing my Double Cash. I get 1.25% cash back on my Bank Americard Cash Rewards card, and I think I'd rather deal with fewer accounts (with better APRs) with better customer service than to get .75% more cash back. But I haven't decided for sure yet. All of my other cards I'm very happy with, and I have no plans to cancel them.

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This makes -0.75% sense.

[Anonymous]

None of my cards are on the chopping block since none of them have annual fees, and I don't see the point in closing a no AF card -- it hurts future AAOA as well as utilization. 

Nevertheless, I could see my QS card proving a lot less useful if I do get approved for the Double Cash next year. I am also definitely going to sock-drawer my joint Discover It account once I get approved for an individual one.