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Thanks guys. Will leave the ccs alone and apply once they report zeros.
Whats best Personal or business?
Definitely don't ask for a decrease. Having low limit cards might actually work against you in this situation. But if you have a couple of cards that you are not suing or you don't need I think it should be ok to close especially if they are not that old. They will continue to be included in the average age of accounts calculation for about 10 years after closure and by then your new card will have aged.