Help with closing my first NFCU card - Re-Allocating

[tussking]

So I have three cards with NFCU.

Flagship 25k

MoreRewards Amex 25k

CashRewards 8900k (left) I have already moved some from CashRewards to both of the above cards.

So since my BK 5 years ago the CashRewards was my first card and over the years I have other cards that are just better.

How will it hurt me to just move the rest of the $8900 to my two other cards and close it? TIA.

[AllZero]

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@tussking wrote:

So I have three cards with NFCU.

Flagship 25k

MoreRewards Amex 25k

CashRewards 8900k (left) I have already moved some from CashRewards to both of the above cards.

So since my BK 5 years ago the CashRewards was my first card and over the years I have other cards that are just better.

How will it hurt me to just move the rest of the $8900 to my two other cards and close it? TIA.

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It may hurt because you have one less card to request a potential SP CLI on?

Have your considered doing a product change to another card that may benefit you?

I can't offer much negative points on closing the card if that is your desire.

[OmarGB9]

I don't see a way it would hurt you if you're keeping your total CL intact. The only possible way would be if you only have those 3 NFCU cards and if you're trying to implement AZEO. You'd be down one card, making it hard to do AZEO and maximize points.

[icyhot]

Hi, whats AZEO?

[CreditMagic7]

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@icyhot wrote:

Hi, whats AZEO?

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All your credit card accounts at ZERO balance EXCEPT a single BankCard showing a balance.

The concensus being maximization or achieving the highest FICO Scoring potential for the profile that you currently have for that statement period.

[Scupra]

There is no AF and you have the possibility of SP CLI's, leave that card open to age

[tussking]

Scupra - What's new brother! How are you? I guess you're right. I'll move another $3400 to my Flagship since that's my monthly card and leave the CR at an even $5k and let it just keep aging.

[Scupra]

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@tussking wrote:

Scupra - What's new brother! How are you? I guess you're right. I'll move another $3400 to my Flagship since that's my monthly card and leave the CR at an even $5k and let it just keep aging.

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Nothing much! Just been super busy which takes me away from here unfortunately. Coming up on 9 years post BK and cant wait  

[UncleB]

Good to see you again, @Scupra!

[Scupra]

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@UncleB wrote:

Good to see you again, @Scupra!

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Likewise! Always good to see some familiar faces