Should i trim the fat now?

[amercnchopz34]

Now that i am in so called primeville( i think )......should i cut some cards loose?

only fee cards i have are cap one.....just got cli from 2000 to 5000.... Fee is only $19....

here is my current line up.....

im thinking of cutting these..

HSBC discover 1300 cl.....

chevron/ Texaco store card...1000cl

these are other cards..

Fairwinds CU  2500 cl

Alliant CU 5000 cl

Discover It 1000  cl

Cap One. Platinum 5000 cl

Best buy store card   1500 cl

Hhgregg store 4000 cl

Barclays NFL card. 5000 cl

Amex Delta Gold  5000 cl  fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due

Amex Green  NPSL

What do you guys think?

thanks 

[namvet]

If your Cap One CL was less than $1000, i would drop that card but since it's not and has a decent CL of $5000 the $19 is a small price to pay.  IMO just keep what you got.

[distantarray]

capital one also has it's uses like it reports ALL AU's =)

[brother7]

I've often wondered this... can you call Cap One and ask them to change your current card to another card that doesn't charge an AF? Or is that not allowed?

[somnipotent]

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@brother7 wrote:

I've often wondered this... can you call Cap One and ask them to change your current card to another card that doesn't charge an AF? Or is that not allowed?

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I'm doing that right now actually.  Going from a NHR rebuilder to the Platinum Prestige with no AF

[trumpet-205]

HSBC discover 1300 cl..... Yes

chevron/ Texaco store card...1000cl Yes

these are other cards..

Fairwinds CU  2500 cl Yes

Alliant CU 5000 cl Keep it

Discover It 1000  cl Keep it

Cap One. Platinum 5000 cl Yes

Best buy store card   1500 cl Yes

Hhgregg store 4000 cl Yes

Barclays NFL card. 5000 cl Keep it opened for a year before closing the card.

Amex Delta Gold  5000 cl  fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due Keep it and PC into BCP

Amex Green  NPSL Yes

[amercnchopz34]

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@trumpet-205 wrote:

HSBC discover 1300 cl..... Yes

chevron/ Texaco store card...1000cl Yes

these are other cards..

Fairwinds CU  2500 cl Yes

Alliant CU 5000 cl Keep it

Discover It 1000  cl Keep it

Cap One. Platinum 5000 cl Yes

Best buy store card   1500 cl Yes

Hhgregg store 4000 cl Yes

Barclays NFL card. 5000 cl Keep it opened for a year before closing the card.

Amex Delta Gold  5000 cl  fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due Keep it and PC into BCP

Amex Green  NPSL Yes

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Wow...thats alot of cards to shut down....will this kill my score?

[llecs]

OP, if there's no fee, keep them.

[amercnchopz34]

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@llecs wrote:

OP, if there's no fee, keep them.

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Im just wondering if creditors   ie amex or ant new accounts down the oad may see some of these rebuilder cards and not extend me a CC?

also my salary is not that great....about 42000 per year....i dont know if these cards will limit any success i may have in the future....

[distantarray]

none of the cards are your list are considered subprime cards, starters are fine, as long as they're not credit cards marketed for people with POOR credit like First Premier Bank