Opinion about my Cards

[Anonymous]

Hi Everyone here are the cards I currently have:

Chase Freedom $500 (given up on getting a CLI lol)

Discover IT $1,600

Citi Double Cash $1,500

Capital One Quicksilver $750

Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Any opinion or ideas about my cards? Should i not use or get rid of any? Or try applying for any others?

Thanks

[Anonymous]

---

@Anonymous wrote:

Hi Everyone here are the cards I currently have:

Chase Freedom $500 (given up on getting a CLI lol)

Discover IT $1,600

Citi Double Cash $1,500

Capital One Quicksilver $750

Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Any opinion or ideas about my cards? Should i not use or get rid of any? Or try applying for any others?

Thanks

---

I do not see any reason to close any of those cards.  They are all good cards!!  Are you planning on applying for more and trying to close some? IMO, don't close any.

[Anonymous]

Are you carrying balances on any other cards but Barclay?

What do you want more credit cards for?  Rewards?  Discounts?  Perks?  Low interest to carry balances?

[Kforce]

Missing a lot of critical info for a good answer.

I will "jump to the conclusion" that your

credit scores, years of having cards and credit profile

are low, short, and thin. With the nice cards you have

with low CL's I would say it is probably better to let time

help. Keep your cards and garden for a year.

[Anonymous]

Keep what you have and get in the garden for 6 months minimum.

Tell us about your credit profiles and FICO scores.

Any lates or derogatory accounts from the past?

[AverageJoesCredit]

Agree with above your line up is nice. Just use them pay them rinse and repeat. Establishing good payment history can go along way

[Anonymous]

You can go ahead and close the QS if you want, it's pretty much useless sitting next to Citi DC, then get yourself a BCE/BCP if the rest of your profile supports it, now your cash back lineup is complete.

[Anonymous]

I would not get rid of Quicksilver.

It has 0% foreign transaction fees. Citi does not.

Also, Citi has (for me) a long history of screwing you.

One day I had a Citi Mastercard (many years ago) and then I didn't. Repeated calls to Citi yielded no  suitable explanation. $8000 credit line vanished.

Also, Citi has a long history of "tinkering" with their rewards scale. That 2% may not last. Quicksilver's 1.5% is more sustainable.

You took the hard hit. Keep the card.

You gain nothing by canceling it.

[Anonymous]

---

@Anonymous wrote:

I would not get rid of Quicksilver.

It has 0% foreign transaction fees. Citi does not.

Also, Citi has (for me) a long history of screwing you.

One day I had a Citi Mastercard (many years ago) and then I didn't. Repeated calls to Citi yielded no  suitable explanation. $8000 credit line vanished.

Also, Citi has a long history of "tinkering" with their rewards scale. That 2% may not last. Quicksilver's 1.5% is more sustainable.

You took the hard hit. Keep the card.

You gain nothing by canceling it.

---

+1, excellent points. Couldn't agree more.

[Anonymous]

Agree, do not get rid of your QS!