Should I close First Premier now or wait:

Hello good people I have a dilemma and am wondering if I should close a couple of accounts that are really serving me no purpose. These stupid First Premier cards and a Credit One card. First  Premier like so many others was my first card then Credit One then another First Premier. I also have at the time 3 Capital One cards a Barclay Rewards card and a partially secured BOA card as well as some store cards. I want to close it but do not know all of the pros and cons of doing so. I am only keeping them so my overall cl will be higher especially since I do not have any prime cards or limits over $1300 yet. I want to close them but do not want to shoot myself in the foot what should I do.???

minicook wrote:
Hello good people I have a dilemma and am wondering if I should close a couple of accounts that are really serving me no purpose. These stupid First Premier cards and a Credit One card. First  Premier like so many others was my first card then Credit One then another First Premier. I also have at the time 3 Capital One cards a Barclay Rewards card and a partially secured BOA card as well as some store cards. I want to close it but do not know all of the pros and cons of doing so. I am only keeping them so my overall cl will be higher especially since I do not have any prime cards or limits over $1300 yet. I want to close them but do not want to shoot myself in the foot what should I do.???I'd close them for sure. You have much better cards that aren't costing you so much money, so you don't need those cards. Their history will continue to help you for quite some time. If you still have enough credit without them, get rid of them. Utilization shouldn't be an issue. If you will end up going over 70% total utilization every month, I'd reccomend paying the card off in the middle of the month so you're not appearing maxed out. The only other thing to do would be to PIF before statement cut on all but one card and leave 1-9% unpaid until the statement is created, but you should only do that when you're applying for new credit. Overall, they aren't helping you enough to justify their cost.

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