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So heres the deal, I have these credit cards that I barely use and would like to narrow it down to my Chase Freedom, and get a BoA card. I don't want my credit score to drop, and I plan on getting a secured BoA with 2k limit if I get denied. I currently have
Capital One - $300 limit
GapCard - $100 limit
Chase - $200 limit
Chase Freedom - $500 limit
Target- $300 limit
Lumber Liquidators - $5700 limit
So I would be closing CapitalOne, Gapcard, Lumber Liquidators, leaving Target, both Chase and the new BoA. What do you think?
I would not close anything that does not have an AF.
I would diversify my major CC TL's and not be over-reliant on Chase Bank. BofA is OK if you are going in fresh, Try the pre-app soft pull site and see what they offer you before app'ing. I would also strongly urge you to build up a relationship with a CU of your choice. In the long run you will be very happy for having done so.