Decisions Decisions

[Anonymous]

I have 5 credit cards total

2 Cap One QS

1 UFCU CC

1 NFCU secured

& 1 Total card

I want to get rid of the Total card (its limit is $350.00) it was a rebuilder card. the limit doesnt grow much. (I received a $50.00 CLI after 6 months)

So i am thinking, should i get rid of Total card and leave my cards the way they are? or apply for the secured IT card from discover? to replace the Total card?

Any assitance would be helpful

[Creditaddict]

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@Anonymous wrote:

I have 5 credit cards total

2 Cap One QS

1 UFCU CC

1 NFCU secured

& 1 Total card

I want to get rid of the Total card (its limit is $350.00) it was a rebuilder card. the limit doesnt grow much. (I received a $50.00 CLI after 6 months)

So i am thinking, should i get rid of Total card and leave my cards the way they are? or apply for the secured IT card from discover? to replace the Total card?

Any assitance would be helpful

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for sure close Total rewards instantly!

What are your scores?

did you try unsecured discover card and get declined?

[Anonymous]

Yes I was declined for discover the last time I applied. That's why I figured I would go for secured.
Ex 609 TU 587 EQ 577 those are fico 08

[Creditaddict]

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@Anonymous wrote:
Yes I was declined for discover the last time I applied. That's why I figured I would go for secured.
Ex 609 TU 587 EQ 577 those are fico 08

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then yes, I would get the secured... great card and you will get your TU fico monthly.

[Anonymous]

great... thank you

[jeffery581]

You might try some snychrony store cards for rebuilding. Just an idea.

[Anonymous]

Doesn't Discover usually require a higher FICO score than the others? If so, you might have better luck getting an unsecured card from Chase or Citi.

[Anonymous]

Get your foot in the door with Disco. Great rewards and CLI crazy. Good luck. 

[Anonymous]

If you have not picked up those 5 cards all in the last 24 months, you may be able to get the Chase Freedom, which would be a useful card and tends to approve in the low 600's. If you go secured, BOA might be the best because they graduate to real cards, I don't think Discover does.
If the Total card has an annual fee, then close it. If not, keep it open for now.

[Anonymous]

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@Anonymous wrote:

I have 5 credit cards total

2 Cap One QS

1 UFCU CC

1 NFCU secured

& 1 Total card

I want to get rid of the Total card (its limit is $350.00) it was a rebuilder card. the limit doesnt grow much. (I received a $50.00 CLI after 6 months)

So i am thinking, should i get rid of Total card and leave my cards the way they are? or apply for the secured IT card from discover? to replace the Total card?

Any assitance would be helpful

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What are you looking for in a card?