Get rid of the toy limits and department store cards. You can manage with:
SSFCU 1k CL
NFCU 5kCL
Hopefully you have $0 balances so it doesn't mess up your utilization. Get yourself a 3rd card, probably a Chase Freedom, Chase Sapphire Preferred, or AMEX BCE/BCP and call it a day.
My Wallet:
Discover It $11,000 | Chase Freedom $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
