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I am 19 and started with a Secured Capital One card in May of last year, started with a $200 CL and got a auto CLI to $500 a few months ago. I have the card at a $0 balance and really want to close it, it's such a low amount, high APR, and this past month I have been approved for a lot of cards. (2 Chase, 1 Wells Fargo, 1 Synchrony Mastercard, and 2 Syncrony Store Cards) My highest CL is $6,000 and my Syncronry Store Cards are at $5,000, $2,000 Wells Fargo, $750 2x Chase, C1 QS1 $500. (Probably gonna close both Capital One's). My AAOA took a big hit with all these new cards anyway. Would closing the C1 do me any bad?
Normally it's prudent to hang on to your oldest TL, but I say close it for these reasons:
I've heard Cap1 doesn't play nice with converting secured to unsecured, but you could always try it and see what happens.
I would not close the QS1 a month after applying. Conventional wisdom is to wait six months after app'ing before closing any card. See if they will PC the QS1 to a normal QS...?
Definitely close it. It will be on your credit reports for ten years after closing.