Should I drop my Orchard?

[Mickey11]

I pretty sure the AF is due next month....some of the cards in my sig I'm joint on with my wife.....I want to replace the Orchard with someone, should I do it before I close the orchard? Thanks!

[CruzImperial]

you have pretty nice cards. definitely not worth to keep an orchard with af. 

[Mickey11]

But should I app for another card before I close the account? And can I call Orchard to ask when the AF will hit?

[CS800]

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@Mickey11 wrote:
But should I app for another card before I close the account? And can I call Orchard to ask when the AF will hit?

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I bet the Orchard is the 'oldest' card you have and that's why you're emotionally attached to it   ?

I'm like that with my $1100 CL Cap One which is my oldest and will never grow and has a $39 AF. I'm holding on too tight to this card where I have much higher CL with onther cards. I know my Cap One cannot be PC'ed and will neer grow past its existing CL

[iMacDrew]

well from what I read on the sticky closing it wont affect your AAoA, and im sure -300 from your credit limits combined shouldnt affect your score at all really, I would def. cancel the account before if your AF is coming fast... but if you got a week to spare and your utilitization is low keep it then dump it after your app.!! Good luck let us know how things go. 

[CS800]

What's your AF and APR on that Orchard?

[Mickey11]

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@CS800 wrote:

What's your AF and APR on that Orchard?

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An aggressive $39 AF and 22% apr! I am going to call and find out when they will charge the AF and find a card I like to app for.

[CS800]

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@Mickey11 wrote:

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@CS800 wrote:

What's your AF and APR on that Orchard?

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An aggressive $39 AF and 22% apr! I am going to call and find out when they will charge the AF and find a card I like to app for.

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The $39 AF is not bad. At least cap one gave me a permanent APR of 9.64%. Try to see if they would waive the AF and lower your APR

[Mickey11]

I was mistaken it's a $59 AF, it will hit on 8/2, they said if I cancel they can process it the same day, I hope I don't have to worry about it being charged after I close the account.

Any one have suggestions for a card I could get with low 600s. No lates, my util is high unfortunately.

[emptypockets]

You may be able to get a Discover with your scores.