topic Re: Closing cards & applying advise in Credit Cards

Closing cards & applying advise

bluewillow — Wed, 24 Feb 2010 15:21:22 GMT

Ok here goes..I have way too many cc's..all rebuilders from a BK in 2001.

They will all have a zero balance by end of next week...I plan on joinign NFCU through son & dil and would like to apply for their visa card. Am I better off closing these cards before I apply, after I'm approved or talk to a loan officer first to guide me. Last I checked the fico scores were around 680..no lates or baddies except for the 2001 BK when we used personel cc to cover business debt instead of just throwing in the towel....

My cards:

Merrick

Applied

Cap one two cards

Household two cards zero balances

Household Discover

Lowes through Ge money

Credit one

Macys store card

Walmart store card

Amazon store card

Chevron zero balance\

Exxon gas...I plan on keeping open

Thanks in advance

Re: Closing cards & applying advise

BungalowMo — Wed, 24 Feb 2010 15:58:42 GMT

What is your total rev. limit for all the cards? What would it be if you were to close the builder cards? I'm guessing those builders have a fee attached too?

*I recently joined NFCU as well...What a great CSR team they have! Haven't apped for their card yet. Waiting for some inq's to drop this summer & associated accts will hit the 1 year mark!

Re: Closing cards & applying advise

bluewillow — Wed, 24 Feb 2010 16:09:11 GMT

Merric

My cards:

Merrick $3800

Applied $2500

Cap one two cards $ 500 on each

Household two cards zero balances $500 on one $300 on the othet

Household Discover $1200

Lowes through Ge money $500

Credit one $850

Macys store card $1200

Walmart store card $600

Amazon store card $900

Chevron zero balance\ $400

Exxon gas...I plan on keeping open $1200

Except for store & gas cards Merrick & HH Discover are the only two with out AF