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if UR pts have no value to you, then yes you are correct! no need for FU or cashforward.
closing a 23k limit to avoid non-approval in the future???? i'll leave that for people who'd actually experienced it to answer here. to me, that's just crazy talk!
I'm with incubus on that one... I believe that you are over thinking this one. If you are going to keep yourself to six cards by choice, (awesome decision, btw) I don't think that you're going to run into an "over extension" type denial.
In other words, you're fine... quit worrying, and I would keep that 23k card if it were me.
I agree with the other 2 posters. Usually folks that receive that as a denial reason have an upwards of $150K+ in credit.
If the Navy card is no longer useful to you, then close and replace it with another. If it has a low interest rate it may be a keeper just in case you ever need to carry a balance. You may want to look into requesting SP CLIs on your current cards. Best of luck!
@Anonymous wrote:if UR pts have no value to you, then yes you are correct! no need for FU or cashforward.
closing a 23k limit to avoid non-approval in the future???? i'll leave that for people who'd actually experienced it to answer here. to me, that's just crazy talk!
I agree with this as well. For cash back only, I don't see how the CFU or CashForward brings anything new to the table, unless you'd prefer dealing with Chase or Barclays over Capital One. And I've heard a lot of great things about Navy Federal, so I would leave that card as is, if I were the OP.