Well if they are paid for one more year with a CLI, great! When it comes time to pay the annual fee, ask to upgrade them to a non fee card. Or tell them you want to cancel again to waive fee. Right now if your scores are low, the extra card is helping build more history to bury baddies or build new credit. Their would be no advantage of combining them right now. I want a wamu card for the free PFICO scores.