I want to offer thanks again to everyone on the forum for guidance. I opened up way too many cards when I first started rebuilding. So today I went ahead and closed fingerhut and Victoria secret. I have about 27% utilization after closing them. However I will be paying everything off in the next 2 months and closing a few more accounts.
Bank of America - $1,200 / $2,800
Capital One - $700 / $2,000
Sportsman guide - $500 / $1500
Discover $100 / $1,000
Merrick - $250 / $700 (CLOSING - 04/2017)
Wayfair - $300 / $2000 (0% interest)
Overstock - $300 / $2000 (0% interest)
Amazon - $245 / $800 (0% interest)
Big Lots - $0 / $750
Walmart - $250 / $700 (0% interest)
Fingerhut - $0 / $400 (CLOSED TODAY)
Lowes - $0 / $300
Victoria Secret - $0 / $150 (CLOSED TODAY)
I will be closing Merrick before it gets to 1 year so I don't have to pay the annual fee. I plan to also close Wayfair, Overstock, Biglots around the same time as the Merrick card which would leave me with 4 major credit cards and 3 store cards (which I use frequently)
