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You won't feel the effect of closing those small limit lines for 10 years, except in your UTIL.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Aye. http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/td-p/347190
Although I could use the $1500 on my lines
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Can I ask a question? Why that particular card? Simplicity offers the same 18mos 0 apr and is great if you are occasionally forgetful, TY Pref/Prem/Pres have better travel rewards, Dividend has better rotating cash back, Forward has guaranteed interest rate reductions and great restaurant/shopping rewards, Hilton cards have better perks and AA cards have better travel benefits. As far as I can see, the diamond preferred gets a concierge. So why is this the one you are going for?
This card is on my radar for late next year. If they are inquiry sensitive (since I have 16 on my report now, half from mortgages), I may have to wait unti 2014.
Most accurate post , to many inquiries was the reason I initially got declined but I recond and said they were due to student loans and got approved.
Also only got 1000 cl which I wasnt happy about but O well