Which cards are best to close?

[HeavenOhio]

@GrandBaker, I see a couple of problems. First, Capital One doesn't move limits. But for giggles, let's say they did. The OP would be moving the limit from a no-fee card to one with a fee. Also, the new card is the one that's less likely to be in a starter bucket and more likely to grow.

Moving the limit from a new card to an old one could work with two cards from certain other banks, though. But you'd want to keep in mind that closed cards have the same effect on age stats as open ones, so nothing would be gained there.

[SouthJamaica]

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@Kforce wrote:

Parents Amex cards- AU past 15 years- No credit Limit card

Indigo-2 years old- 300 limit

Credit One-2 years old-600 limit

Capital One Quicksilver One-2 years old-750 limit

Merrick Bank-2 years old-1200 limit

Aspire-about a year old-600 limit

Discover It Secure-about a year old-300 limit

First Savings-about a year old-700 limit

Capital One Platinum-1000 credit limit

Paypal Cashback-2000 credit limit.

My 2c

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+1

Those are exactly the ones I had my eyes on

[GrandBaker]

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@HeavenOhio wrote:

@GrandBaker, I see a couple of problems. First, Capital One doesn't move limits. But for giggles, let's say they did. The OP would be moving the limit from a no-fee card to one with a fee. Also, the new card is the one that's less likely to be in a starter bucket and more likely to grow.

Moving the limit from a new card to an old one could work with two cards from certain other banks, though. But you'd want to keep in mind that closed cards have the same effect on age stats as open ones, so nothing would be gained there.

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Excellent point. Noted and agreed.