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Dump my subprime cards or wait to PC them in 6 months?

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belle6m2k
Regular Contributor

Dump my subprime cards or wait to PC them in 6 months?

In 2009 my credit was a mess. The only cards I could get were Cap one platniums. Fast forward to 2016. With persererance and hard work I hae brought my scores to 740-760 and recently got a Citi DC and BOA cash rewards, and Chase Disney. My AAoA is 6 years. Last month I PC'd my platnums to QS1 and Venture1. Should I wait a few months and try to PC them to QS and Venture or dump them as I would rather not have subprime cards in my file. How long is average for a request to PC. Im just worried about my AAoA to take a dive.

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Anonymous
Not applicable

Re: Dump my subprime cards or wait to PC them in 6 months?

I would wait and try to PC them. You could also combine them together and then try to PC.

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UncleB
Credit Mentor

Re: Dump my subprime cards or wait to PC them in 6 months?


@Anonymous wrote:

I would wait and try to PC them. You could also combine them together and then try to PC.


+1

 

In my own case I chose to 'stick with' my rebuilder card, and although it took longer than I wanted I eventually got it upgraded to a Quicksilver.  The card will be nine years old next month.  Smiley Wink

 

(Side note:  Remember that unless you plan to spend more than $12k each year, the QS will yield more rewards than a Venture.)

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