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In the last few months I have gotten a discover IT card and chase freedom(although a low limit) I have 3 other rebuilding cards all with 0 balance. The are first premier, orchard bank and first national. A couple months ago I applied for an AMEX green card and one of the reasons for denial was doing business with first premier(forget how it was worded) Was wondering which card would be best to close 1st. They def helped me rebuild in a time of need but have no use for them anymore. I appreciatte everyones opinion. Thanks!
If you need an order:
1. First Premier
2. Make sure First Premier is closed with a 0 balance
3. Triple check FP
3. Orchard
4. First National
+1
Yes, they've helped you rebuild, but they've finished serving their purpose. Good for you! First Premier should be the first one to go, as they usually charge a monthly fee. Orchard should be able to go, as well. I don't know much about First National, but if it's not serving a useful purpose, then feel free to cut it loose. Congrats on the Discover and Freedom -- those are nice cards. Treat them well and enjoy them.
If First National doesn't charge an AF, why not SD it?
They do charge an AF. I think I will cut loose FP first then orchard. First national will be last. Couldnt have rebuilt without the help of this board. The journey isnt done yet but I feel like I am on my way. It feels great!!
@rogersave wrote:They do charge an AF. I think I will cut loose FP first then orchard. First national will be last. Couldnt have rebuilt without the help of this board. The journey isnt done yet but I feel like I am on my way. It feels great!!
In that case, cut away!
CLOSED FIRST PREMIER!! Geez the guy begged me to keep it. It had a toy limit of 350 offered to raise cl to 550 I said no thanks. He actually mentioned this board lol. Said well if you look on myfico.com utilization is important etc. Then he was like well why dont you close discover, I laughed lol. I just kept repeating I would just like you to close the card please. Feels great
CLOSED FIRST PREMIER!! Geez the guy begged me to keep it. It had a toy limit of 350 offered to raise cl to 550 I said no thanks. He actually mentioned this board lol. Said well if you look on myfico utilization is important etc. Then he was like well why dont you close discover, I laughed lol. I just kept repeating I would just like you to close the card please. Feels great