@Goodwillhunting wrote:
question: i just got the cap one 2 weeks ago. its not reporting yet. the cap 1 has a limit of 1k. if i do cancel it, will that screw up my aaoa?
It won't screw up your AAoA, but it's going to look REALLY strange to any underwriter who looks at it in the future. I'd keep it open at least until the AF comes due again. Also a 1K limit unsecured card in your situation doesn't suck, at all. I'd keep it personally and re-evaluate later.
Re: scores, yeah the EXP score there is a FAKO unfortunately. Chase gave you an Equifax FICO of sub-600 (whatever version they pulled) and approved on recon? Wow 
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