I have been wokring hard at getting credit cards paid off and finally have it done. And was finally approved for a Capital One Venture Card with a $5000 CL. I feel like I am on top of the world right now...lol.
Anyways, I am not sure what to do next. I know I need to go in loan payment mode and not worry about other credit cards at the moment. I don't need anymore. I have quite a few subprime cards with annual fees that I would like to dump but part of me is scared too in case some disaster happens and I need the credit line but I know better than to make fear based decisions. The flip side is that the cards also bring up average age of credit.
Here's my current profile of what I have right now
Credit One: 0/1450 - 3 yrs 8 mths
Capital One Plat - 0/850 - 4 yrs 3 mths
Capital One QS - 21/750 - 4 yrs 4 mths (just combined the 2 cap ones to the QS card)
Merrick - 6/1100 - 2 yrs 6 mths
Barclay (Frontier) - 0/1800 - 11 months
Paypal - 0/500 - 1 yr 8 mths
Fingerhut - 0/2250 3 yr 3 mths
Kohls - 0/300 - 2yrs 2 mths
CareCredit - 0/500 - 11 mths
Tires Plus - CFNA - 0/1200 - 2yrs 9mths
Walmart - 0/700 - 1 yr 9mths
Capital One Venture - 0/5000 - brand new
Lending Point Loan - current balance 12422
Student Loans - a bazillion dollars. I jsut recently got out of rehabilitation and still have a bunch of old "accts" showing as late and not paying as agreed)
Bankruptcy - file date 09/13. Discharged in 01/14
12 hard inquiries
Thanks in advance
