Valued Contributor
Posts: 1,566
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, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014