@bratly35 wrote:So after having a BK in 2005 Ive been working on building my credit and trying to get the best cards I could at the time I got them and became sort of an obsession. Today was approved for USAA mc and two weeks ago for a Amex green and Amex BCE (Forgot I had amex years ago both backdated to 1994). So this brings the total to 16 credit cards. I obviously do no need all these cards mostly PIF. Here is a list of what I have with limits ect. What should I close?
Card Limit Opened
cap1 $1750 2007 af $39
cap 1 $1000 2007 af$29
Houshold $950 2007 af$39
Jcpenny $5000 2007
Walmart $ 3100 2008
Target $1000 2009
Paypal SC $4500 2011
Lowes $7700 2010
Home depot $500 2012
Citi simplicity $1200 2012
Barclays $4000 2010 $900 balance will be paid this month only card with balance
Discover $1000 2012
Merrick $2500 2011
Amex green NPSL 2013 backdated 1994
Amex BCE $1000 2013 backdated 1994
USAA $5500 Today
Personally, I would just closed all those AF cards. They'll report with positive history for approximately 10 years, so no immediate hit to AAoA, and it seems like they won't be much if at all a hit on your utilization. Everything else I would keep, especially if they don't have AFs. However, if you would like to cut them down some more, I recommend sockdrawing those cards with little to no reward values, not optimal APRs, no balance transfer offers, or simply store cards you don't even use. Leave them there, and let them rot until they're closed for inactivity 
then at least if you change your mind within a few months, they'll still be there for your use!
Best of luck!
@bratly35 wrote:So after having a BK in 2005 Ive been working on building my credit and trying to get the best cards I could at the time I got them and became sort of an obsession. Today was approved for USAA mc and two weeks ago for a Amex green and Amex BCE (Forgot I had amex years ago both backdated to 1994). So this brings the total to 16 credit cards. I obviously do no need all these cards mostly PIF. Here is a list of what I have with limits ect. What should I close?
Card Limit Opened
cap1 $1750 2007 af $39
cap 1 $1000 2007 af$29 Call Cap1 EO or email for CLI's/AF waivers. If no dice, AXE them.
Houshold $950 2007 af$39
Jcpenny $5000 2007 Try the LUV button for CLI.
Walmart $ 3100 2008 Same try for CLI
Target $1000 2009 AXE
Paypal SC $4500 2011 Try for CLI
Lowes $7700 2010 Try for CLI
Home depot $500 2012 This will ne HP CLI, I'd AXE because you have Lowes
Citi simplicity $1200 2012
Barclays $4000 2010 $900 balance will be paid this month only card with balance
Discover $1000 2012
Merrick $2500 2011
Amex green NPSL 2013 backdated 1994
Amex BCE $1000 2013 backdated 1994
USAA $5500 Today
Work on above noted cards and GARDEN!!!!! NO MORE APPS!!!!
Freeze your reports if you have to!
Close the first 3; target; and home depot
FICO 8: 
Goal: Gardening!
Goal: Gardening!
LS2982 pretty much nailed it.
LS2982 nail with some good advice for your credit skinny slim down 
Starting Score: 560