Should I clean house?

[Anonymous]

Not ACTUALLY clean house, I would never consider doing that 😜

JK.....but on a serious note, I'm considering getting rid of some of my credit cards that have tiny limits but I wanted to see what you all think. Below is what I currently have:

Care credit $10.8k
Walmart $6k
Old Navy $6k
Amazon $5k
RBFCU $4k
Capital One QS1 $3.3k
Capital One Platinum $1.4k
Bank of America Americard $500
Kohls $400
Bealls $250

Total credit 33k
Utilization 12%
TU 700, Ex 624, Eq 604

If I close any accounts, I'd want to replace them with cards that have higher starting limits but not sure what else I can get with my scores. I think Synchrony has probably given me all the credit they're going to, at least for now. I don't know, tell me what you think I should do.

[Anonymous]

I'd combine the Cap Ones unless you plan to milk them on CLI's individually for a bit more.  Then I'd sockdrawer BankAmericard, leaving it open just because it's BoA, could help you down the road with further apps with them.  The mailer discounts with the Kohls card definitely make the card worthy even with a low limit, if you shop there.  Never heard of Bealls.  All the others are good limits I would leave them and let your reports grow.

Have you tried Barclaycard? They pull TU, your Util is good and 700 is enough to get in.

[Anonymous]

I do shop at Kohls and love having the card with the kohls cash and discounts I get with it.  I would like to keep that one so I'm glad you suggested I do   Bealls is just like Kohls except without all the nice lil perks.  Its backed by Comenity.  They pull experian i think which is why i got such a low starting limit and I have to have the account open for 9 months before i'm eligable for a CLI.

I have a charge off from Barclay that is still reporting on Experian and Equifax so I dont think they will let me in.  I tried about a year ago for rebuilding purposes and they declined on the basis of too many derogs and previous charge off with them.

[SouthJamaica]

---

@Anonymous wrote:
Not ACTUALLY clean house, I would never consider doing that 😜

JK.....but on a serious note, I'm considering getting rid of some of my credit cards that have tiny limits but I wanted to see what you all think. Below is what I currently have:

Care credit $10.8k
Walmart $6k
Old Navy $6k
Amazon $5k
RBFCU $4k
Capital One QS1 $3.3k
Capital One Platinum $1.4k
Bank of America Americard $500
Kohls $400
Bealls $250

Total credit 33k
Utilization 12%
TU 700, Ex 624, Eq 604

If I close any accounts, I'd want to replace them with cards that have higher starting limits but not sure what else I can get with my scores. I think Synchrony has probably given me all the credit they're going to, at least for now. I don't know, tell me what you think I should do.

---

Since you have a good TU score, my advice would be to apply for the Barclay Rewards card, and if it's granted close out Kohls and Bealls.  Barclays, like Synchrony, almost always pulls TU.

[Anonymous]

---

@SouthJamaica wrote:

---

@Anonymous wrote:
Not ACTUALLY clean house, I would never consider doing that 😜

JK.....but on a serious note, I'm considering getting rid of some of my credit cards that have tiny limits but I wanted to see what you all think. Below is what I currently have:

Care credit $10.8k
Walmart $6k
Old Navy $6k
Amazon $5k
RBFCU $4k
Capital One QS1 $3.3k
Capital One Platinum $1.4k
Bank of America Americard $500
Kohls $400
Bealls $250

Total credit 33k
Utilization 12%
TU 700, Ex 624, Eq 604

If I close any accounts, I'd want to replace them with cards that have higher starting limits but not sure what else I can get with my scores. I think Synchrony has probably given me all the credit they're going to, at least for now. I don't know, tell me what you think I should do.

---

Since you have a good TU score, my advice would be to apply for the Barclay Rewards card, and if it's granted close out Kohls and Bealls.  Barclays, like Synchrony, almost always pulls TU.

---

You dont think the charge off will get me declined?  Its not on TU anymore but still on Equifax I think, not Experian.

[Anonymous]

---

@Anonymous wrote:

I do shop at Kohls and love having the card with the kohls cash and discounts I get with it.  I would like to keep that one so I'm glad you suggested I do   Bealls is just like Kohls except without all the nice lil perks.  Its backed by Comenity.  They pull experian i think which is why i got such a low starting limit and I have to have the account open for 9 months before i'm eligable for a CLI.

I have a charge off from Barclay that is still reporting on Experian and Equifax so I dont think they will let me in.  I tried about a year ago for rebuilding purposes and they declined on the basis of too many derogs and previous charge off with them.

---

Gotcha. Also Syncb has Marvel MC and Stash VS. Since they pull TU, you could keep those in mind too, since they love you. hahah

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

I do shop at Kohls and love having the card with the kohls cash and discounts I get with it.  I would like to keep that one so I'm glad you suggested I do   Bealls is just like Kohls except without all the nice lil perks.  Its backed by Comenity.  They pull experian i think which is why i got such a low starting limit and I have to have the account open for 9 months before i'm eligable for a CLI.

I have a charge off from Barclay that is still reporting on Experian and Equifax so I dont think they will let me in.  I tried about a year ago for rebuilding purposes and they declined on the basis of too many derogs and previous charge off with them.

---

Gotcha. Also Syncb has Marvel MC and Stash VS. Since they pull TU, you could keep those in mind too, since they love you. hahah

---

Does Synchrony limit the number of cards you can have with them?  I have 4 already totalling $27,800 so I'm a little hesitant to apply for more credit with them.  I dont want to take a HP for a decline.

[Anonymous]

Not sure on the limit of cards. I've got 5, I've seen people on here with 6 and I'm pretty sure I saw someone post the other day they had over 10 accounts with Synchrony.  100k appears to be an average max exposure per person given great history and credit, just going by these forums.  I hear ya, I got got a bunch more credit with them too over the past couple months, personally I'm going to play it safe before going further.  Up to you, go with your gut.

[Anonymous]

Ok, cool, I may give it a shot.  I dont really want anymore store cards so the Marvel MC and Stash VS.  I do love Synchrony/CS.  They are really good to me when it comes to starting limits and CLI's.  I would have 10 accounts with them too

[SOGGIE]

I would keep any accounts that will grow with SP CLI requests.