A good valid question, manda. I too have an Applied Card Bank card. I pay max.int. rate, monthly fee, annual fee, etc. It's by far my most expensive cc. And unfortunately it's my oldest. It was my very first card. 7 years of history. But I'm replacing it with 2 bank cards, with no monthly fee, or annual fee. I'm closing the A.C.Bank one at the end of this month. just waiting for the balance transfer into a new WaMu card to happen.
You have pretty decent scores. Congratulations
Your hard work has paid off.
The best advice I can pass on from what I've learned here: by all means, close the cards that cost you money.
What are your most expensive cards, their limits and how long have you had them? You do not want to loose the utilization and the aging, unless it's costing you money. Hope that helps
10/01/07
TU: 676
EXP: 665
EQ: 633