The accounts I'd be closing would be
capital one - 500 CL 16.15% int. rate. (yearly fee)
Credit one - 650 CL 23.99% int. rate (and a yearly fee billed monthly)
Household - 750 CL 26.99% int. rate (can't remember right now if there is a yrly fee)
All opened within the last year.
That would leave me with:
GEMB/Care Credit - 500 CL - 0 bal.
GEMB/CARE Credit - 500 CL - 0 bal.
Both opened within the last year, higher int. rate (21.99%) but no annual fee and:
Capital one - 1250 CL - 15.99% int. rate (yearly fee but open a couple of years) - bal 1100
Target - 1000 CL - 18.99% int. rate (no yearly fee & open for 9 years) - bal 800
AAFES Military Star Account - 4500 CL (9.99% int. rate -no annual fees) - bal 1840
So, high util on the remaining but I'd pay those down and eventually close cap 1 and maybe target for better interest rate cards later.
I'm interested in the short-term (very short-term scenario like end of this month or next month) the first 3 cards I listed - pay off close. At the very least, it it is about util.I should consider vs. overall avail. credit leave those open while I paid the others down then get the mortage and close them I don't care after that but this one that has a monthly fee that is just crap to keep paying that after I pay it off but I don't want to lose points - trying to gain points for a mortgage.
Sorry this is long and confusing.