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OP tell them you don't want to pay any AF's
None...Nada...zip...ever
The annual fee isnt whats bothering me
I want the 2800 to buy some more stock but I dont want it to ruin my credit profile
@Armissea wrote:The annual fee isnt whats bothering me
I want the 2800 to buy some more stock but I dont want it to ruin my credit profile
Siince you PIF every month your utilization won't be impacted, and even though it's closed it, will continue to report for 10yrs, so your AAoA won't be hurt either.
@Armissea wrote:The annual fee isnt whats bothering me
I want the 2800 to buy some more stock but I dont want it to ruin my credit profile
If your UTL is low it won't have a big effect but bear in mind you will be reducing your available credit limits
@FocusedAndDetermined wrote:
@Armissea wrote:The annual fee isnt whats bothering me
I want the 2800 to buy some more stock but I dont want it to ruin my credit profile
Siince you PIF every month your utilization won't be impacted, and even though it's closed it, will continue to report for 10yrs, so your AAoA won't be hurt either.
+1
@Armissea wrote:I currently have these limits as follows these are all credit cards I Pay them in full every month and never leave a balance sit
the secured card is my oldest open acct at a year and ten months it is also my second largest credit line at 3,000 dollars please advise if I should cancel
Credit Cards Limit
Chase -1500
Capital One -750
Trumark Financial- 500
Capital One- 750
Walmart -5300
Capital one secured -3000
Email the EO and tell them what you're looking for...that has been the best route for many here, including myself. Good luck to you.