I am 23 and my first card is a Cap1 Secured MC $300, I started off 02/11 with 200/49. A couple weeks ago I thought I should see if I could get a CLI on it, got denied. I had gotten a Merrick Bank DYL preapproval whatever for a card with $500 with a high AF, I thought I might as well go for it, noones showing me love right now anyways. A few days later I went on an app spree and walked away with Citi Simplicity $2000, Cap 1 Cash Rewards MC $500(has AF), and a Macy's SC $300. Now I regret the Merrick Bank card that came preposted with $123 worth of fees. Do I hold on to the Merrick Bank card that will Auto CLI to $1000 in 7 months? Do I close the secured Cap 1 card that will never CLI? Rewards from the Cap 1 Rewards card should easily cover AF. Utilization is a non issue because, all are set to autopay balance. I have a $450 a month 23K loan through toyota (Dad cosigned) that I pay like clock work and have for 10 months (60month loan) and 2 collections one PIF (is there a way to get this deleted? $170) the other reporting as disputed charges (probably could get this removed easily, apartment complex ripoff disputed CMRRR with complex then CRA CMRRR) Also Annual income at $52K will likely go up to 75k this time next year. I need some words of wisdom.