Why not just close the Orchard and Merrick?
Why SD a card with an AF? I just closed my Merrick a couple of weeks ago and am glad I did. You have higher lines now and the Orchard and Merrick will still be positive reports. Close 'em...shut 'em down ! You can do it.
LOL...thnx for the faith. Yea i think its done unless they make me an offer i cnt refuse ;-)
Yeah, don't count on Merrick for that. When I told the rep I wanted to close the account, she suggested I keep it open just for emergencies. I told her I would were it not for the AF. She had no counter/comment. She simply said, "ok, your account is now closed." Good riddance!