I have entirely too many cards. I too have to use a spreadsheet to keep track of them and it gets confusing still. Plus I hate having to "find" something to charge on them just to keep them active and then have to remember to add that amount to my spreadsheet to pay.
I'll be working to grow anything that remains to higher limits. Right now NFCU is my highest at $7k.
If anything, Dell. They're at 29.99% APR (though they do have some 0% up to 12 months financing). I don't really have the use for a Dell and my spending power has improved to the point where I can just toss it on a Visa and PIF. That said, there's no AF on it.
Keep it coming everybody!
@Mods can we make this a poll where people can choose multipul times or vote more then once??
My AMEX ZYNC (NPSL) if my BCE is approved by the end of January.
Membership Rewards Express is nearly worthless compared to my Chase Amazon/Freedom nor does it offer 0% forex fees like my Capital One so I have no reason to keep it other than keeping a good history with AMEX. So once I get my BCE, the Zync will have fulfilled its purpose and I will be cashing my MRE on Amazon (and the other giftcards are pretty worthelss too heh).
I might close out my Wells Fargo Secured card, but we'll have to see the limit that Wells Fargo gives me when it unsecures this April. It's currently at $500, which is pretty sad.
I got rid of my crap cards last year but may look at cancelling Home Depot and USAA Platinum Mastercard (low limit). Freedom is still my lowest limit at $3k but with the 5% categories its worth keeping. I'm keeping DCU open strictly for utilization.
i'm probably chopping the paypal extras around August and the Zync in April when the AF is about to come up. that'll bring me down to 5 real cards+1 store card that i feel have something decent to offer. Don't really want to try to manage 10+ cards. I will probably come back to AMEX in 2014.
i just axed Macys Old Navy and Victorias Secret
Going to axe Wells Fargo...this card has been secured for 2 years
Nationwide....no increase in 5 years
Bank of America.....No increase in 4 years plus terrible annual fee they refuse to remove
I may get rid of my Amex PRG. The annual fee is pretty high for this card. I do get some benefits, but I don't know if I get enough. I wanted to get rid of my Kroger 123 rewards, which is a terrible card, but I decided to use that as a balance transfer card. I'm going to keep it open because it is one of my oldest accounts. If the account was newer, it would be gone.
Update from my original post, axed Orchard (opened 2/12, @ $300 no CLI, no nothing!). Too long to wait for "possible" Cap One PC? Nah, not worth the AF. They were only willing to reduce the AF 59.00->29.00. *poof* gone!