Credit One and Fingerhut. 
I had considered closing my synchrony accounts, but I'll keep those open for the time being barring any auto CLIs (since calling the UW or hitting the LUV button doesn't seem to be working). But I'm also working to get a car so they'll be on the back burner as far as use is concerned, Care Credit and Chase will probably get a lot of use but I'd have to pay down the Chase Freedom first.
NFCU - Flagship, merge CL With either cash rewards or Platinum.
Amex - PRG. I use it often, but can't see paying the AF.
Maybe Hilton card, just don't need it past the bonus.. Work signed a 3 year contract with Marriott, so these points will be harder to come by for now. May reopen later.
Chase - Marriott. Got for the bonus, won't pay the AF. I have until October to decide, will be staying at Marriott but need to decide if it is worth it (point value isn't great).
Barclaycard - US AIRWAYS. Got for the bonus won't pay the second AF. Merge CL with Rewards or perhaps SM?
Amex - PRG. I use it often, but can't see paying the AF.
Maybe Hilton card, just don't need it past the bonus.. Work signed a 3 year contract with Marriott, so these points will be harder to come by for now. May reopen later.
Chase - Marriott. Got for the bonus, won't pay the AF. I have until October to decide, will be staying at Marriott but need to decide if it is worth it (point value isn't great).
Barclaycard - US AIRWAYS. Got for the bonus won't pay the second AF. Merge CL with Rewards or perhaps SM?
@ArmyVietVet wrote:Considering two Citi Cards, one FNBO Card, one US Bank Card, two Department store Cards for a total reduction in credit of $40K. Need to make sure that my final resting place has the debt paid down to 1% to 2% of the new credit total. The reason is I finally have settled into my spending pattern and I can't use all the credit or the cards (truth I can't afford to pay them all back if I did use them). Do not want to get FR'd. US Bank and Citi are already eye balling my DTI. Chatted with US Bank credit analyst who wanted to do an HP and complete manual review (talked him out of it for the moment). Citi told me a year ago they felt I was at their max risk and 2014 they withdrew all my balance transfer offers and special offers. The signs are there and after reading what is happening to others a proactive approach may be the answer.
I tend to want to lean a little more that these recent happenings come and go in phases? Dunno. Months can pass without so much buzz over it, then suddenly and without warning theres a flurry for some days of posts and other reported happenings, that give serious rise for concern to credit habits. I guess we can call it a reality check and definitely adds some immediate motivation to reassess our own credit layout just to be sure there aren't similar dynamics at play.
Aside from reflecting on those reactions, some measures are continuing toward that proactive approach on my end. Actually began this for myself at the top of this month in an effort to hopefully stave off such phases from torpedoing my efforts of progress so far. I try to be wary by clinging to the belief that theres always an outside chance for a dreaded domino effect once something averse lands in your lap.
Yesterday dropped yet another Comenity (SCT) card leaving only JCrew (5K) & Linensource (1.6K) and the latter is gone next (next week) especially since that store is already covered with Ebates Visa card anyway. At some point (likely MAR) the Amazon (1.25K) store card also needs let go and i can forsee the last card, Discover (1.4K)following the same course as already closed capital one. Unlike so very many, cap1 for me wasn't an only lender to offer credit when no one else would.
I'll tally up some final figures later on and post the total limits purged in my own proactive current campaign 
