To cancel the card or nit to cancel the card.

[Anonymous]

Hi
So last year after taking some big credit hits because of lost work from surgery, scores from mid 700s down to barely 500.....I started my mission to rebuild. I ended up getting a secured capital one with 500.00 and a us bank secured with 300.00. Since then Im in low to mid 600 range and about 6 months ago got a non secured capitalone at 600.00 which they raised to 750.00 last month. Was approved for and purchased a new Toyota corolla last month through toyota financial
And had a pre-approval for unsecured discover card yesterday which I applied and was approved for 1000. to start. My question is that us bank secured 300.00 card, should I just cancel it? If I want to increase the limit I need to send them a check and they do a hard pull on my credit and all that. I would like to just close it as it will never go anywhere and I achieved what I intended. I just wonder if it will affect me score or not.

[Sandman771]

I thought US Bank would graduate after a time. If so, I'd sock drawer it until that time maybe putting a monthly recurring bill on it and PIF. Just my $0.02