Should I close these "store" cards?

[thelethargicage]

Rooms-To-Go (6K) - 10/2009

Dell Financial Services (3K) - 12/2009

Jared (10K) - 2/2010

CareCredit (3.7K) - 4/2011

The Jared card is my highest limit, but I have absolutely no use for it.  At the same time, I'm afraid of getting rejected for a card I actually want because of "too much available credit" (even though I can only use any of these cards in their respective stores).  What do you guys suggest?

[somnipotent]

if there's no AF, keep 'em open.  the CLs will count towards utilization.  and unless you have a megaton amount of available credit vs. income, i think you're safe.

[kevinjjc]

How much available credit do you have? Income?

[Wolf3]

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@thelethargicage wrote:

Rooms-To-Go (6K) - 10/2009

Dell Financial Services (3K) - 12/2009

Jared (10K) - 2/2010

CareCredit (3.7K) - 4/2011

The Jared card is my highest limit, but I have absolutely no use for it.  At the same time, I'm afraid of getting rejected for a card I actually want because of "too much available credit" (even though I can only use any of these cards in their respective stores).  What do you guys suggest?

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I suggest closing any store cards that you have no need for in the future (2yrs or so) .   They still help you CR for 10 years.   And the "too much available credit" is sometimes an issue.

[thelethargicage]

Available credit: 38.2K (unless you count my HELOC, in which case it's 64K)
Income: 88.8K

[09Lexie]

Does $47.2k include the store cc's you are thinking about closing?

[thelethargicage]

Yes, it does.

I made a mistake adding up my limits. It's actually 38.2K of available credit.