Valued Contributor
Posts: 1,533
Registered: ‎09-15-2012
Re: Trade annual fee card for a no annual fee?
I think you might misunderstand the term "baddies". These would mean late payments reporting to the bureaus (30+ days), collections, judgments, bankruptcy, etc.

But regardless, having a card with an annual fee won't hurt your credit, if that's what you are asking.
In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014