randeman wrote:I wouldn't CLOSE any card that you have. Just don't use them...much...and suck it up with the annual fee. Closing accounts impacts your score.
agreed but having 6 cards and wanting a 7th I would imagiane chase would be saying to themselves when would this person use this card. if Chase were to look at the persons credit file even if the person didn't use 1 of there American express and 1 of there citibank cards it will still show open, there credit limit , there minimum monthly bill, plus there highest they ever charged
on there cards.
with the premium card it will say open minimum monthly due it would say 0 credit limit it wouldn't say I think it also says 0.
if the person canceled 2 of the card 1 citi and 1 American Express, then applied for the Freedom in about 6 months, after chase
sees they have 4 credit cards they see that the person canceled 2 cards like you metioned it would hurt there score but now chase
would see 4 cards and may say to themselves this person would be able to use our card.