Help me think im good longish term

[nissanaltimacrazyhorse]

So my equifax score is 673, i shop at cabelas so i decieded to try and get there card. Last night approved right away dont know the terms. I also applied at my credit union approved so here are my stats.

Amex bce 2,000

cap 1 750

cap 1 750

credit union platnium 4500 wow excited largest ever.

cabelas visa dont know

so any advice i want to not have to keep applying all carry no balance pif, are these good besides cap 1 for longterm growth. I was young and dumb once aaoa is 4.5 years havent had a late payment in 5.5 years alot of bad crap will come off in 2 years. Questions when should i dump cap 1 both have annual fees all other cards dont.

[Razeus]

I'd just kill the Cap One cards immediately.  The AMEX and Credit Union Plat should be plenty.  Not sure why you did a department store card.  Are they giving you a big discount on EVERY purchase, not just the one time for applying?  I can't stand department store cards.  I'd add a Chase Freedom and a Discover It card to your line up.  Call it a day.

[nissanaltimacrazyhorse]

i shop at cabelas twice a month couple hundred at a time. There giving 2% not great but its ok.

[nissanaltimacrazyhorse]

credit score not going to get another ding by closing cap 1's they are the oldest credit line besides car loans

[wreith]

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@nissanaltimacrazyhorse wrote:

credit score not going to get another ding by closing cap 1's they are the oldest credit line besides car loans

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No, your score won't take any hit from closing the Cap 1's.  They will continue to show postive for the next 10 years, by the time they fall off your new ones will have aged quite nicely. 

[nissanaltimacrazyhorse]

i dont think i need a chase freedom, cabelas is visa cu card is visa but im all ears to adice.

[Razeus]

When you get the Cabela limit, let us know.  Hopefully it exceeds your Cap One's combined so it doesn't affect your utilization when you close them out.

[nissanaltimacrazyhorse]

ya i will hopefully its 2k, i think the credit union gave higher because i have a car loan with them and about 6 years of history

[Anonymous]

I would get rid of the Cabela card and the Capone Cards. Apply for Chase Freedom and Discover cards. Use the discover card only for 5% categories and special promotions and use Freedom/BCE for everything else. 

Then garden

[Razeus]

If they can be recon, then do so for the limit you need, if not a little more.  CapOne AF is ridiculous since they don't give you any rewards or benefits.  Put them out to pasture.