Ok, the more info I work with the 'smarter' I get 😉
Now that I know you've got a Discover, 2 Cap-1's and now the Navy Plat
That's 4 TLs, I'm less gong ho pushing to keep the 2 ish bag accounts, noting that dependant of the order and how your lineup got put together, they may never have been invited on the team in the 1st place.
You said they are both coming up on a year, so it's unclear again if they are 2 of your younger or older accounts within your lineup, had I known that info I would have most likely commented differently.
I've got NO PROBLEM with you dropping $750 bucks worth of CL attached to 2 anchor cards based upon your current lineup ( save yourself the AFs and the temptation to use those 2 and relieve yourself from the responsibility of having to double check form getting snake bitten anytime you're dealing with them)
Obviously, this changes if you have a lot of outstanding debt load spread among the remaining cards, such that, that $750 in CL might mean something but assuming that not to be the case.
With a Disco @$500 ( to be unsecured in X amount)
+ $1700 over two Cap-1's
+ $2000 from Navy
You've got over $4k in revolving TLs, which is plenty to build on and have enough room to use a bit, until you qualify for larger lines....
Again, seeing your full lineup...You have my blessing😇 to cut the two D league cards from the lineup, send them packing.
I just couldn't figure why your SL with Navy was where it was....It could be the dragging with the number of accounts in quick succession or again the maintenance of debt or something else going on, with regard to your overall profile...Not sure
However, my advice would be to chill out on apping for a moment, especially with any other lenders at this point
A) We know Cap-1 will grow via SP and you have 2 of those
B) We know that Disco can grow via SP ( all be get not the secured) point being stroke that one correctly and you'll be fine with an in house lender with no need to HP another
C) Although Navy has become a bit more app happy lately AR CLIs are possible
My overall point being there is no NEED to take another HP with regard to CCs for the rest of 2017 and still have the opportunity to grow CLs and AGE your lineup at the same time,
so no need to kill aaoa and
no need to kill score being thristy looking for more suitors, massage what you have, let the roots grow deep and strong
That way the next time ( not this year 😊) you app your credentials and profile will demand nothing but big as, CLs and great terms .....That's how you don't get stuck in nose bleed seats with brown paper bag lunches forever
Best of Luck😀
