If you expect that you will just be cutting loose of the card soon then just get it over with now and don't benefit/lose because of it. Everything you do should be long term and positive not a hope that it works out.
Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700Take the FICO Fitness Challenge
