So to give some insight, I only have 1 derog left on my report. Its an auto loan late payments string, well multiple strings, that start falling off this month, the last string will fall off Sep 2024, so I have just accepted that I will have to wait for that. Goodwill hasnt had any success, I have been trying though. I am just trying to clean up my card line up in preparation for when my final derog gets removed.
My current card ages are as follows
Amazon Prime Rewards - 3 months
Apple Card - 9 months
Discover IT - 2 months
Capital One SavorOne - 4 years
Capital One Platinum (OLDEST CARD) 5 years 3 months
Walmart Rewards - 11 months
I was thinking of closing my platinum, as I dont use it, as far as total utilization, I am good on that as well. I know I am going to be in the garden for at least the rest of 2023 to let everything age together.
My question is, is there any harm to closing my platinum? I would like to just kind of clean everything up.
Any insight is much appreciated.
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have you tried product changing it into a quicksilver?
@GatoradeZeroGuy wrote:have you tried product changing it into a quicksilver?
I actually had the quicksilver, in which just became the savorone, which fits my spending a lot more.
If there is no AF then just keep it in the sock drawer. It will continue to report regulary and add to your profile. Throw a coffee on it every other month or so to keep it active and the continuous monthly reporting of an active positive tradeline will certainly help boost your profile. Just my 2 cents but other more experienced may have a better suggestion.
@Apexdv wrote:If there is no AF then just keep it in the sock drawer. It will continue to report regulary and add to your profile. Throw a coffee on it every other month or so to keep it active and the continuous monthly reporting of an active positive tradeline will certainly help boost your profile. Just my 2 cents but other more experienced may have a better suggestion.
Yeah thats pretty much where I am with it now. Was just curious what others opinions are on things like this. Thanks for the input!