@Anonymous wrote:I know the rule is not to normally close an account but I think i got way to many and dont want to make a big flag along the line with a creditor...... I make 110k per year, my credit 1.5 years ago was in the low 400's ..... today they are in the 670's. i have the below cards a few of the store cards i use quite often but several i dont. would you close any and would they hurt my score by closing them. A few cards (visa , mc amex ) i was recently approved for would you do any balance transfers that would help my credit. I have never been late on anything below. 1 collection for $50 and one for $150 . zero balance paid charged off chase auto loan 4 years old, 15 recent inquiries across each. 30 total each.
King size Direct ( 1+ years old ...I use quite often $800 CL , owe $200)Roman ( 1+ years old 550 cl owe $35 ) Do you use this one frequently?woman within (1+ yeard old 700 cl used for a while but no more 0 balance) This one can be closedjessica london (1+ years old $700 cl 0 balance) Do you use this one frequently?gold violin (1+ years old 0 balance, used 1x ) This one can be closedexpress (1+ years old 1200cl , 125 balance, use oftencapital one (1+ years old partialy secured $550 cl o balance ) KeepDiscover It (1 year old secured 500cl o balance) KeepFirst premier bank (3 years old, 500 cl balance $400 This one can be closed once you pay the balance - you already have other decent major CCsbank of america CR (1 year old, 300cl balance 0 ) Keepavenue ( 1 + year old 750cl balance 0) Do you use this one frequently?loft ( 1 yr use often $200 balance)buckle 1yr use often 0 balanceoverstock 1 yr use often $25 balancejcrew 1yr use often 0 balancemarisota 1 yr 800 cl o balance used a few times Do you use this one frequently enough to keep?simplybe 1 yr 800 cl o balance used a few times Do you use this one frequently enough to keep?Habband 1 yr 250cl 0 balance used 1x This one can be closedappleseeds 1yr 550 cl use often 200 balancefingerhut 1 yr 250 cl $50 balance This one can be closed once you pay the balance - you already have other store and major CCsblair 1 yr 250cl 0 balance This one can be closedbrylane home 1 yr 750cl 0 balance This one can be closednorm thompson 1 yr 250cl 0 balace This one can be closedny company 1 yr 250 cl o balance This one can be closedFirestone 1 yr 1800cl 650 balanceFull Beauty 1 yr 500cl 0 balance This one can be closedgettington 1 yr 200 cl 0 balance This one can be closedcredit one bank 6 months 400 cl 350 balance This one can be closed - Most definitelyNFCU n rewards 6 months 5000 cl 1700 balance KeepNFCU line of credit 6 mo 2000cl 0 balance Keepamazon card 2 months 750cl 300 balance Keepkohls 2 months 300cl 15 balance Keep if you use it oftenSecurity Service FCU BMW loan new 20kkay jewelers new 1500 cl 0 balance This one can be closed unless you're getting me a nice set of giftscabellas visa 2 months 2000cl balance 125 Keeplowes 2 months 350 cl balance 0 Keepmodells 1 yr 300cl 0 balance Do you use this one frequently enough to keep?amex blue everyday 1 month $4000 0 balance KeepUsaa Mastercard Brand new 2500cl o balance Keepcontinental finance surge 6 mo 500cl 250balance This one can be closed once you pay the balance - you already have other decent major CCscontinental finance verve 6 mo 500cl 0 balance This one can be closed - you already have other decent major CCs
Ok, my fingers hurt a little bit but this is kind of a starting place. Others can chime in on other strategies that might work. Ultimately, you would need to decide what makes sense financially for you but sometime with so many open store cards and several balances floating around can drag your scores and potential growth.