02-03-2010 10:05 AM - edited 02-03-2010 10:11 AM
15 open accounts and 8 closed on CR:
Oldest open account is Exxon followed by HD and JCP respectively 500-750 and 2400 CL and all opened with 5 months of each other.
Plan on closing a $39 annual fee Cap1 at 1800 CL in July.
Should I close in September the Shell, Sunoco and Citgo (all INQs will drop by then) - respectively 500,500 and 750 and maybe Carecredit ($3K CL)?
Will keep till the day I die NFCU Visa & MC ($14K each), USAA MC & Amex($10K each), Discover (lousy 2K CL), and Green AmEx at $95 AF (which I rearely use but like CreditSecure).
Also have a $4700 Citi MC (no fee) which ratejacked me in Novemeber - it gathers dust.
What should I jettison to make life easier?
02-03-2010 10:10 AM
02-03-2010 10:21 AM
Marty's advice is right on, but I think your strategy fits. You have 4-5 excellent cards with good limits--the rest are probably not necessary. Just ensure that your util stays low, using the payment strategies on the forum.
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