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moving on up :D - question on what/if any cards should i dump

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slothy
Contributor

moving on up :D - question on what/if any cards should i dump

Well yesterday got a pre approval from chase, fiqured what the hell - approved - freedom 4k limit (my highest to date was 3k) - might try my luck and call when i get card and ask for 5k? not sure how chase is on that, but it didnt mention if i wasnt happy with amount i could call..

 

so today, thought well hell, lets try for a amex - approved (i did green) - aprroved - NPSL 

 

so in my collection of cards i wanna clean up if i could... being the 2 of my lower CLI are the cards i have had the longest, not sure if its worth messing up AAOA? 

 

any opinion on what i should close up if any? most are @ 0 balance or only a few hundred on them. the orchard bank and creditone, the cards are cut up, i just randomly use them when i buy stuff thru paypal since the cards where saved  in the account.

 

bank - CL - Date opened

 

orchardbank - 720 -  8/07

credit one - 1200 - 12/08

kohls - 300 - 7/11 - going to keep since i shop there quite a bit.

discover IT - 1000 - 4/12

Cu (bank of omaha) - 3k - 8/12

merrick bank - 2300 -  10/10

capital one (credit steps upgraded CLI upgraded via CEO email) - 2k - 

RZMC - 1800 - 8/11

 

 

 

 

Message 1 of 4
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Razeus
Frequent Contributor

Re: moving on up :D - question on what/if any cards should i dump

I'd get rid of Orchard, Credit One, Merrick so get them paid off first or else you'll affect your utilization.  You're past this stage.  Put them out to pastur

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 2 of 4
ilovelisa
Established Contributor

Re: moving on up :D - question on what/if any cards should i dump


@Razeus wrote:

I'd get rid of Orchard, Credit One, Merrick so get them paid off first or else you'll affect your utilization.  You're past this stage.  Put them out to pastur


Agreed

Amex BCE $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Message 3 of 4
09Lexie
Moderator Emerita

Re: moving on up :D - question on what/if any cards should i dump

Message 4 of 4
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