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Decided to cut back on my number of open accounts. Not worried about utilization or AAoA so I went ahead with it.
Before:
Chase Freedom $10,000
CSP $10,000
Citi TY $9,200
Citi HiltonHHonors $7,000
Chase SWRR $10,500
DCU $10,000
CapOne Spark Miles $12,500
Discover It $10,000
CareCredit $7,800
SmileGeneration $7,500
USAA MC $4,000
USAA Amex $4,000
Citi Home Depot $8,800
Lowes $5,000
After:
Chase Freedom $10,000
CSP $20,000 (transfer SWRR limit)
Citi TY $9,200 (currently 0%)
CapOne Spark Miles $12,500
Discover It $10,000
Citi Hilton Hhonors $7,000 (for now)
Lowes $5,000
Home Depot $8,800
I may have lost some available credit but I am (mostly) comfortable with my line up. May add SPG and/or BCP towards the end of the month to round it out. Went from $116k to $82k but with a more focused, quality line up.
Congrats. I know that has to be a good feeling.
@sccredit wrote:I may have lost some available credit but I am (mostly) comfortable with my line up. May add SPG and/or BCP towards the end of the month to round it out. Went from $116k to $82k but with a more focused, quality line up.
+1
Couldn't agree with you more, quality over quantity is always better. You made some nice decisions, in my view.
Did you close them by caling in or online?
Wow USAA gone all together! Congrats at the pruning!
What would you guys prune from the cards in my signature, if any? I actually use most of my cards fyi.
@FutureBillionaire wrote:What would you guys prune from the cards in my signature, if any? I actually use most of my cards fyi.
I'd swap out the Citi TYP (due to upcoming changes) for the Penfed Travel Rewards Amex (I see you have the platinum rewards; I have both the platinum and travel rewards which work fine w/ Penfed).
Crisp and clean... nice.