Just takes a phone call to combine your cap1 cards. Its easy. For the Orchard, try to get the AF waived....and keep it. It has a decent limit for an Orchard. The drawback is that you will have to call back every year around annual fee time and try to get it waived. They should do it to keep you. If they don't, kick em to the curb.
Scores: TU (FICO8): 781, EQ (FICO8): 798, EX (FICO8): 788
In my wallet: Chase Sapphire Preferred: 16,000 | Chase Slate Edge: 8,100 | Bilt World Elite Mastercard: 16,000 | Fidelity Rewards Visa Signature: 8,500 | PenFed Visa Gold: 12,500 | Penfed Pathfinder: 15,000 | Apple Card: 6,500 | Lowe's: 35,000 | Northern Skies FCU Platinum: 15,000 | Kohls: 3,000
Mortgage 11/20