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I have acquired some prime cards this month and I'm trying to figure out which ones to close.. I was leaning towards the store cards more as they have astronomical APRs. What do you guys think am I on the right track?
Current Cards
US Bank Cash + Signature - 6K Limit
Navy Federal nRewards - 7.5K
Chase Freedom - 3K
CITI Diamond Preferred - 2.2 K
Discover IT -4K
Amex Zync - NPSL
Amazon Store Card - 2.2K
Firestone Store Card -2.2K
Kay Jeweler's - 1.6K
Cap One - $750
Cap One - $300 - Oldest Line
id drop both cap 1. small credit limits anyways and cancelling wont affect your AAoA. and the store cards if you dont feel like SD.. thats just me though it really just boils down to how many cards you want to manage...
Which have annual fees?
@stema8701 wrote:I have acquired some prime cards this month and I'm trying to figure out which ones to close.. I was leaning towards the store cards more as they have astronomical APRs. What do you guys think am I on the right track?
Current Cards
US Bank Cash + Signature - 6K Limit
Navy Federal nRewards - 7.5K
Chase Freedom - 3K
CITI Diamond Preferred - 2.2 K
Discover IT -4K
Amex Zync - NPSL
Amazon Store Card - 2.2K
Firestone Store Card -2.2K
Kay Jeweler's - 1.6K
Cap One - $750
Cap One - $300 - Oldest Line
Not on the right track. Store cards generally have good discounts, and rewards if you shop there. High APR is normal but you should plan to PIF in most all cases, so it should not matter much. Store cards seldom get cancelled if you use occasionally and over time they build a great AAoA. I would not close any of the store cards.
High Annual fees that don't pay back in rewards are the cards to close.
@iMacDrew wrote:id drop both cap 1. small credit limits anyways and cancelling wont affect your AAoA. and the store cards if you dont feel like SD.. thats just me though it really just boils down to how many cards you want to manage...
+1...especially if the CapOne have any fees. Keep the store cards around...some of them come with good financing specials. And they don't have AFs.