Close Capital One Secured Card?

[myjourney]

OP tell them you don't want to pay any AF's

None...Nada...zip...ever

[Playstation4Champ]

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 

[FocusedAndDetermined]

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@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 

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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. 

[myjourney]

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@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 

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If your UTL is low it won't have a big effect but bear in mind you will be reducing your available credit limits

[myjourney]

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@FocusedAndDetermined wrote:

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@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 

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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. 

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+1 

[indiolatino61]

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@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

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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.