I want to replace some bad cards with one good card...

[Anonymous]

My credit is good and I am purchasing my first home in about 15 days. The bank has already committed. I want to close my target, crapital one and orchard bank credit cards and replace them with one card that has a high limit from a more reputable company. I don't like the fee's and interest associated with my current cards. I know I will take a hit on my fico scores but I think I'd be better off in the long run, I have no big purchases planned for the future after I close on this house. Any suggestions on cards based on my scores?

TU: 719

EQ: 681

EXP: 650 (2 paid baddies from 2004)

Message Edited by jdt0t on 05-23-2008 12:11 PM

[aftermath]

AMEX DELTA SKYMILES!

...never leave home without it!

Message Edited by aftermath on 05-23-2008 12:12 PM

[Anonymous]

I won't fly anywhere. Ever.

Message Edited by jdt0t on 05-23-2008 12:16 PM

[heirophant]

I agree with closing Orchard b/c of AF, but keep Target and Cap1 (if it doesn't have an AF).  Charge something small to them every few months and PIF.  If you aren't paying for the card, keep it for history.  Cap 1 is a good company.  They should very slowly grow with you.  Ask for fee removal and CLI's from them.

[heirophant]

If you don't travel, go for Blue.

[unknown_entity]

Cabelas Visa is a sweet card that you can probably get with that 681 EQ.  IMO.

https://www.cabelas.com/cabelas/en/templates/community/aboutus/visa/visa-application.jsp;jsessionid=...