Direct Merchant CC for $1800. 24.99% should i cancel them? ask for lower apr and an CLI? 4 years old
Juniper CC $500. 27.74% """ ? " ? 3 years old
OrchardBank $1800. 18.90% """ ? "" ? 4 yrs old
they are all $ 0 balance
i have now addison 10k 5.24% 2k balance 1 month old
mcu 14k 9.15% 11k balance 1 month old
BOA 13k 15.99% 0 balance 1 years old
carecredit 13K 0 balance 5 years old
amex blue $2200 17.99% 0 balance 2 years old
union plus $2600 20.99% 0 balance 2 years old
chase(was circuit city card) 4k 17.99% 0 balance 3 years old
You failed to mention how old the higher CL and prime CCC's are.
If your builder cards are substantially older (by 2 years or more) than the other accounts, then I would suggest keeping 1 or 2 that had no AF. The rates really mean nothing unless you carry a balance. But you will want the extra 2 years age down the road. If you close, those TL's are gone in 10 years (or less sometimes) and that dings the AAoA and oldest account age factors.
Direct Merchant - close
Barclay/ Juniper - close
I'm not a big proponent of closing cards; however, rebuilders need to be cut loose at sometime point in time. Perhaps cut then loose after 4 years... if not now.