Quick BT question

[gingerflower]

May I suggest you transfer the balance first then close the acct.

[MarineVietVet]

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@squirrely2005 wrote:

It does have an anual fee. It's 39 and I don't see the point in paying that. Even if they offered to waive it I wouldn't want to keep it. My plan now is to have a Visa, MC, Discover, and amex. I just need an amex that I'll apply for at some point. I'll have 13300 with the three i have now(except for the Cap1 which would add 2k). And I have a jcrew card I'm considering keeping because it has a 4600 limit that I rarely use. So..I just realized I make about 27k a year with 17k in credit. I'm more than happy with that.

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The decision is entirely up to you. No one else knows your situation better than you.

And there's really not a right or wrong answer to this. It's whatever is right for you.

[Kenny]

I would just add this... if your Capital One has such a high limit as you posted, you should have no problem getting the annual fee removed. I'd at least ask and see if it were possible first.

Good luck and I hope you come to a decision.

[MarineVietVet]

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@Kenny wrote:
I would just add this... if your Capital One has such a high limit as you posted, you should have no problem getting the annual fee removed. I'd at least ask and see if it were possible first.

Good luck and I hope you come to a decision.

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I agree. All they can do is say no.