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Do i need to close any of these card?

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Frequent Contributor

Do i need to close any of these card?

First premier 400 cl. Bal 0 2 months old.
Cap 1 quicksilver one 400 cl bal 0 3 months old
Jared jewelry genisis 300 cl never used 15 months old
Walmart/synch 200 cl 0 bal 3 months old
Bbt cash rewards 8k cl. 900 bal hasnt reported yet .new
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 1 of 14
13 REPLIES 13
Established Contributor

Re: Do i need to close any of these card?

If it has a fee monthly/annually then it should go i.e First Premier

If you don't use it then it should be a contender for the axe

 

If it were me I'd keep Cap 1 and BBT

WM can grow significantly with a call to Credit Solutions as it ages a bit more and TU scores over 720.

500K+ TCL / 800+ FCOs
Message 2 of 14
Frequent Contributor

Re: Do i need to close any of these card?

Thanks
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 3 of 14
Regular Contributor

Re: Do i need to close any of these card?

Like Obscure said, First Premier is gonna be a subprime lender, so I would axe that to just stay away from unless it gives you a very long credit history. The Cap1 is probably never gonna grow but Cap isn’t gonna nickel and dime you with fees as long as you pay the AF.

The others will just kinda sit there and age without an AF. Just keep them up to date.

And let that BBT card age!
Message 4 of 14
Frequent Contributor

Re: Do i need to close any of these card?

Thanks
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 5 of 14
Moderator

Re: Do i need to close any of these card?

Since the BB&T card is very recent and with a sizeable CL, what was the reason for entertaining the closure?
Message 6 of 14
Frequent Contributor

Re: Do i need to close any of these card?

No sir i dont want to close the bbt im trying to fix my file where they wont feel threatened and do AA . they rescinded my 2nd approval so i nervous about the 1st card coz it is 8k
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 7 of 14
Frequent Contributor

Re: Do i need to close any of these card?

Thats not the cards im thinking of just closing thats my whole credit card profile
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 8 of 14
Community Leader
Valued Contributor

Re: Do i need to close any of these card?

If it were me, I’d close all except the Walmart, Cap1 QS, and BBT.

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 9 of 14
Frequent Contributor

Re: Do i need to close any of these card?

Thanks for the advice
bb&t cash rewards, 8k balance2.4k k
bb&t bright 8k balance 5 k mostly balance transfers
cap 1 qs1 500 balance 0
first premier 400 balance 0
credit one 450 balance 0
jared/genisis 300 balance 0
target 300 balancE 0
AOAA ONLY 5 MONTHS OLDEST ACC 16MONTHS
INQS EQ 25 TU 25 EX 15
FICO 08 EQ 677 TU 702 EX 685
FICO 09 EQ 703 TU 693 EX 702
MORTGAGES EQ 711 TU 684 EX 706
NO NEGATIVES
FUTURE GOAL CARDS , SAVOR . FREEDOM AND DISCOVER


ALL FILES ARE CURRENTLY FROZEN
Message 10 of 14
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