Credit Cards

[charlie11]

Hello,

I want to close my Amex Green card and Sears Citi with 4500 limit which I dont use much. Amex green is charging 95 dollars annual fee which is too much if I see my card usage. Amex Green was oopened in 2010 and Sears Citi was open in 2011 end.

Can someone please advise on how I can close these accounts without adversally affecting my score? My current score is around ~ 760.

Also, after or before closing, I want to apply another card which has like 14-18 months 0% APR.

Can Someone please advise on hyow I can achieve this without affecting credit score

[Wolf3]

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charlie11 wrote:

Hello,

I want to close my Amex Green card and Sears Citi with 4500 limit which I dont use much. Amex green is charging 95 dollars annual fee which is too much if I see my card usage. Amex Green was oopened in 2010 and Sears Citi was open in 2011 end.

Can someone please advise on how I can close these accounts without adversally affecting my score? My current score is around ~ 760.

Also, after or before closing, I want to apply another card which has like 14-18 months 0% APR.

Can Someone please advise on hyow I can achieve this without affecting credit score

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The only significant effect would be on your utilizaiton, which we don't know.  

$95AF is a big for a card you don't use much.  

Why close the Sears MC? They have good deals on deffered interest if you need any major appliances or such.  The only fee is $25 if you want the rewards, whcih you can skip if low usage.