I'm in favor of closing or at least sock drawering those without AFs. I personally would rather have a few cards that benefit me and work on gardening and growing those than have a bunch of cards that are of no benefit.
My lineup, and this is just because I feel they benefit me the most.
Chase: Freedom and CSP
Amex: BCE
Discover It
Comenity: Lowes, Walmart and Sams. I like these because of the special financing. I can buy some big ticket items with 0% financing and carry a balance for a couple of months.
I also have a Barclay NFL, FNBO AMEX, and Citi TY, but I never use them. They don't have an AF so I just leave them be.
I don't have a bunch of store cards, because they don't benefit me and I don't want to have to keep up with them.
Just my situation, everyone is different. Good luck.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
