OK I closed the BC Uber with a 23k CL, CO Venture One with a 25k CL, DC IT Miles with a 4.5 k CL and the US Bank Fred Meyers World MC with a 10k CL. I also closed the Pen Fed Power Cash 10.5k CL. I recently got a couple of AA CITI cards , downgraded a couple of AX cards HH Aspire to HH basic card and Delta Plat to Delta Gold and closed my AX Plat. I did get the no AF AX Blue Bus Rewards. I kept the NFCU FS because of the 50 k CL and it is also an older card. The AF is pretty low. Will keep the WF Propel. Was denied for the CO Savor card too many new accounts lol. Oh well once COVID ends I may get the AX Gold for restaurant spend or just continue to use the WF or HH Surpass
I disagree whole heartedly with all of this talk about spooking creditors. My wife and I had 30+ accounts between us with 500k available Credit. We now have 20+ accounts with around 400k. That isn't going to spook anyone! You are overthinking this. AX shows me as being a member since 1989. CITI since 1992.
@morgacj2004 wrote:OK I closed the BC Uber with a 23k CL, CO Venture One with a 25k CL, DC IT Miles with a 4.5 k CL and the US Bank Fred Meyers World MC with a 10k CL. I also closed the Pen Fed Power Cash 10.5k CL. I recently got a couple of AA CITI cards , downgraded a couple of AX cards HH Aspire to HH basic card and Delta Plat to Delta Gold and closed my AX Plat. I did get the no AF AX Blue Bus Rewards. I kept the NFCU FS because of the 50 k CL and it is also an older card. The AF is pretty low. Will keep the WF Propel. Was denied for the CO Savor card too many new accounts lol. Oh well once COVID ends I may get the AX Gold for restaurant spend or just continue to use the WF or HH Surpass
These are all good moves. Congrats for taking the steps to simplify. From your OP your life plan is changing and the remaining cards should do well.
WF Propel is a really good basic travel card.
Being in AK keeping the AK Air makes a lot of sense.
I hated my Fed Meyer card. Double kudos for closing that one.
I do not believe there should be any concern about closing this many cards. Lender algorithms will see your landscape exposure is less and be "happy", if an algorithm can be happy 
I have had only ever had one company CLD and that was Cap One reducing CL from 50k to 20 k on a Venture I seldom used. That. Was during the last recession. I am not worried in the least about CLD. I have a very mixed portfolio meaning not all my cards are with one lender. I have a preference now for AX and CITI. I have some favorite cards such as the Pen Fed Plat Rewards and AX Amazon Prime but with the exception of some of my hotel cards I put spend on them all. I should also mention my wife has a Discover Card so mine was duplicative. The AK air card is really only good for spend on Alaska and the annual companion fare. AK used to be my go to airline. I have more than 500 flights with them but now I am using Delta and AA. AK is starting to lose its appeal and it is getting harder to use their miles.
@Anonymous wrote:Not sure why you think this is a good idea but when companies go around slashing limits, closing a bunch of accounts you're not attached to won't save your ass from creditors eyeing to slash the ones you wish to keep.
This isn't Passover.
Why again do you think this is a good idea? Even Credit Karma's guidance indicates that the top tier threshold for credit diversity is 21+ accounts.
Not to cast stones, but Credit Karma's main money changer roll is to try to get you to apply for at least 22 of those cards through their web link. It is how they get their tithes.
@GApeachy wrote:Question:
When you close a card and it's marked on your credit report, "closed at consumer's request" isn't that enough to show it was not AA? .....to human and non-human? Or is that basically notated for MR?
Even if it showed AA'd by lender, it doesn't make any real world differences. This is just what people assume to be the case.
I've never been denied credit because an account shows as closed by lender. Unless every account on your file shows this.
It's not something to be concerned about IME or opinion.
