My cap one secured plat is my oldest card on file. I’ve eliminated all of my starter cards over the past year. Credit one, verve, and some other card I already forgot the name of all served their purpose in the trash now. Over the past 8 months I’ve collected about 6-7 cards with a combined CL of Aprox 50k .
Like many of us here, I only carry cards with good rewards in my wallet and use the most benifical cards for points when spending. I have 3 cap - cards the venture , QS and this platinum secured card.
I’ve attempted to consolidate my platinum into my QS or Venture and Cap one will not allow me to mix a secure card with non secure. I’ll assume this is because of how these loans are bundled up into investors that back these deals. I also attempted to request a graduate the card to non secure so I can then consolidate it. Nothing. As usual cap one just follow protocol.
I’ve had this card for 3 years + never a late and very very little use the past year. I don’t need it, I don’t want to reduce my uti by 1k by closing it or impact my AAoA but I don’t want this little small CL card on my report as I’m trying to slender my TL to make room for better cards.
Any advice on what I should do? Just close the card? Let it collect dust? Has anybody also had experience with a successful graduation or consolidation of a secured Plat?
Thanks in advance guys!
