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I have a secured cap 1 card that i've had since september 2014 with a $650cl (which is all secured). I was just approved and recieved 2 cap1 unsecured cards. I have the qs1 and the plat both with $500 limits Opened 2/2014. So i know closing the secured card will hurt my score, but is it better to just work on those. I've never been late on this account either. I also have a secured cc from my cu with a $300cl that i have never been late on. I don't think i'd want to close that one because after a yr they may unsecure it. What do yall think? Your help is gladly appreciated. Thanks in advance.
Yup, time to close it and move up. You should not see much negative impact unless your UTI is high.
i keep my uti at around 4-5%