Orchard - First Premier???

[Anonymous]

I know this is probably a dumb question......but......

I have 3 credit cards -- (2) First Premier (9.9% -$72 annual Fee) and (1) Orchard (27.25% & $59 annual fee) 

Should I keep 1 FP and 1 Orchard or both FP's or just the Orchard.  I really want to build my credit and I only want to close one.

Thanks!!

[chartley3]

How long have you had those cards and what are your Fico scores?

[Anonymous]

All about 3 years.  I've never been late w/Orchard, but late once with both Premiers.  My score is too bad to post here.   

Very low.........

[Anonymous]

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mom77 wrote:

All about 3 years.  I've never been late w/Orchard, but late once with both Premiers.  My score is too bad to post here.   

Very low.........

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It's okay Mom -- we're all here to help.  As you can see from my sig I started below 500 a few years ago.  It can be done. 

I hate AF cards for the most part, but you've got to work with what you have.  Under no circumstances would I go below 2 open CCs with two different CCCs.  Good luck -- sorry I don't have more advice!