Closing CCs and ask CLI from another issuer to keep available credit

[pgyagnzia]

Before I start anything, here are some of my stats:

Credit score: 778 (CapOne), 792 (Discover)

CC (from oldest to youngest):

CapOne Platinum Visa, 1.5k, 7yr 10mo old

Chase Freedom Visa, 7k, 7yr 3mo old

Victoria’s Secret $850, 7yr 2mo old

Discover Cashback bonus, 5k, 4yr 5mo old

BoA Cash reward Visa, 5k, 3.5yr old

Amex, 15.4k, 1yr 8mo old

I use one card for a month and rotate them, always PIF, therefore they all have zero balance.

I would like to close the VS and BoA (maybe Chase too) for no other reason than decluttering.

How would this affect my score? Is there a way to ask for CLI from one issuer with reason that I'm closing my other cards? I wanna keep my available credit(?) the same, at 34,750.

Is it possible or am I stuck with them?

Thank you!

EDIT: None of them have annual fee.

[NRB525]

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@pgyagnzia wrote:

Before I start anything, here are some of my stats:

Credit score: 778 (CapOne), 792 (Discover)

CC (from oldest to youngest):

CapOne Platinum Visa, 1.5k, 7yr 10mo old

Chase Freedom Visa, 7k, 7yr 3mo old

Victoria’s Secret $850, 7yr 2mo old

BoA Cash reward Visa, 5k, 3.5yr old

Discover Cashback bonus, 5k, 4yr 5mo old

Amex, 15.4k, 1yr 8mo old

I use one card for a month and rotate them, always PIF, therefore they all have zero balance.

I would like to close the VS and BoA (maybe Chase too) for no other reason than decluttering.

How would this affect my score? Is there a way to ask for CLI from one issuer with reason that I'm closing my other cards? I wanna keep my available credit(?) the same, at 34,750.

Is it possible or am I stuck with them?

Thank you!

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The BofA has no annual fee, right? Personally I would not close any of them, and just start asking for CLI. Discover might have a SP CLI available. Amex might. Using this method, I would suggest going for the CLI first, then if you want to keep your CLI at $35k, you know who loves you in the credit world, and may change your mind about who you kick to the curb.

I happen to like BofA quite a lot, so that's why I'm saying don't close it.

[Anonymous]

I wouldn't  close any of them, if no AF Its best for you to keep them, except the  store card which is quite useless anyway

[SunriseEarth]

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@Anonymous wrote:

I wouldn't  close any of them, if no AF Its best for you to keep them, except the  store card which is quite useless anyway

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If the OP is a frequent shopper at VS, their rewards structure might be more beneficial than other CCs.   However, if not (likely, if the OP is considering closing the account), it might be a good candidate.  Also worth considering...given how new that CC is, it might be preferable to simply SD it.  

(edited--grammar)

[coldnmn]

Personally I would keep them all. If you want to close them and keep available credit you can ask for CLI from Cap1 a SP and ask for a CLI from AMEX.

http://ficoforums.myfico.com/t5/Credit-Cards/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071