First off, I think this forum is the BEST!! I have learned lots of knowledge from it....
anyway...
I have one question, my wife has two Citi Cards, a Dividend Platinum Select and a Cash Returns.
Limits are PS=$16000 and Cash Returns is $12100.
The PS has a balance of 3300 and the Cash Returns has a bal of 10260, (boat purchase)
The platinum select has a 7.24v APR Cash returns 9.99v and both balances are a lifetime BT of 4.9%.
PS has been open since 3/07, and is the oldest of the two with the lowest rate. For utilization and scoring do you recommend combining the two to make a total credit line of $28100 with a $14000 balance or leave them the way they are? What would be the best thing? I know her scores are tanked right now with that 90% utilization on the Cash Returns? Any recommendations? Thank you in advance.
