https://ficoforums.myfico.com/t5/Credit-Cards/rebuilders/m-p/346400#M116820 <DIV>Well its been 18 months since my bk discharge and thanks to all the advice gathered from here I am well on my to recovery.</DIV><DIV>Like most people rebuilding I got the usual rebuilders credit one, Applied bank and Tribute. About 6 months ago&nbsp;I got a capital one card and thru the credit steps cli etc&nbsp;I am sitting at a cl of $1800, Tonight I Applied for and received another capital one card with a 2k starting limit 0 perc interest until feb 09 and zero transfer fee's.</DIV><DIV>My question is this</DIV><DIV>All 3 of the rebuilder cards have a huge annual fee and charge me fee's monthly ranging from 5.95 month to 10.95 month, ( I was very happy to pay these a year ago to get restarted ). Should I go ahead and transfer my balance to my new cap 1 and close them or just let them age and pay the fee's? At some point i definatly want to close them as they will never grow into anything useful long term and was thinking about taking the hit now. they are all over a year old so have 12+ months of positive payment history that will be there.</DIV><DIV>&nbsp;</DIV><DIV>Any ideas or input from the experts or anyone else would be appreciated.</DIV> Tue, 23 Sep 2008 02:08:06 GMT Anonymous 2008-09-23T02:08:06Z https://ficoforums.myfico.com/t5/Credit-Cards/rebuilders/m-p/346400#M116820 <DIV>Well its been 18 months since my bk discharge and thanks to all the advice gathered from here I am well on my to recovery.</DIV><DIV>Like most people rebuilding I got the usual rebuilders credit one, Applied bank and Tribute. About 6 months ago&nbsp;I got a capital one card and thru the credit steps cli etc&nbsp;I am sitting at a cl of $1800, Tonight I Applied for and received another capital one card with a 2k starting limit 0 perc interest until feb 09 and zero transfer fee's.</DIV><DIV>My question is this</DIV><DIV>All 3 of the rebuilder cards have a huge annual fee and charge me fee's monthly ranging from 5.95 month to 10.95 month, ( I was very happy to pay these a year ago to get restarted ). Should I go ahead and transfer my balance to my new cap 1 and close them or just let them age and pay the fee's? At some point i definatly want to close them as they will never grow into anything useful long term and was thinking about taking the hit now. they are all over a year old so have 12+ months of positive payment history that will be there.</DIV><DIV>&nbsp;</DIV><DIV>Any ideas or input from the experts or anyone else would be appreciated.</DIV> Tue, 23 Sep 2008 02:08:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/rebuilders/m-p/346400#M116820 Anonymous 2008-09-23T02:08:06Z