@Anonymous wrote:
@Bmac66 wrote:I got a C1 Platinum last month at $3k. I went on an app spree and this card is my one regret! I'm at 25%! No way should I be subprime with my scores. Anyways, I'm enrolled in credit steps but have yet to use the card and not so sure I will. If I don't I'm sure I will never see an increase. I hate this card. How much of a score hit would I take if I close within 30 days of opening?
Why do you hate it? You just have to use it once and you'll get a bump automatically. It's silly to close a card after 30 days for no reason, as it just kills your AAoA. But if your scores are very high it doesn't matter.
It shouldn't kill the AAoA as a closed card will continue to factor into the AAoA score for 10 years. On the other hand, since a triple pull was taken to obtain the card, you might as well make the best of it. Open a Cap1 card with a better offer (Quicksilver or Venture?) and then combine them in a few months when they are eligible. You can get rid of the Platinum card and keep the one you want.
NEVER MIND! I see that you have PC'd it. That's even better. Congrats! 