APR change and new CC

[Anonymous]

I started using CC to pay my bills which has increased and helped my credit significantly however after 15 billing cycles my 0% APR disappears and I suppose I will get new CC with 0% interest.  Should i keep the old CC or cancel and start fresh? 

[takeshi74]

Your call.  You'd need to give us more information if you want feedback so we have a better understanding of your priorities.  Is the 0% offer the only thing that matters to you?

[OmarGB9]

Why is the 0% so important? Are you carrying balances every month?

[Anonymous]

Agreed, some more information would be helpful.  If the card doesn't have an annual fee and you're not carrying a balance, it wouldn't hurt to keep it open.  You could always transfer whatever balance you do have to a new card for its 0% APR intro period.

[9CLINE]

Welcome 2 the forum,, I don't think I would cancel card just b/c promo period expires how will your accounts age? Typically I don't think folks close cards after promos end, Just curious,,I will have to watch this thread to see what more experienced members have to say as I am wondering how would  work out.... 

[Anonymous]

No.  I'm not carrying a balance. just improving my credit and trying to find the best rewards which for me so far has been cash back. 

[FinStar]

You don't need to cancel your current card just because the introductory 0% APR promotion has expired.  The card should count toward building and improving your profile.  What other cards do you have?  What's your AAoA?  You mentioned cash back... do you have any Capital One cards, Citi Double Cash, BOA Cash Rewards?