- Centurion Member
- Posts: 279
- Joined: Sun Dec 05, 2010 10:40 am
- Location: Florida
Ok, I am currently looking for some advice. Due to my current bank begining to charge fees for things that used to be free such as mobile banking and personal payments, I am reducing my relationship with them and moving my Checking and Savings over to another institution.
Here is where the question comes in that I'm looking for advice. I also have a card with my current bank that I don't use but, it's been open since 2009. My oldest card on file is 2001 and the youngest on the file is 2012.
Between all of my accounts, I have a total Credit limit of ~$100k.
How much impact to my credit score should I expect to see by dropping this card with a $15k limit? I currently use between 1% and 2% of my total available credit according to Credit Karma and most of my charges hit my American Express.
Appreciate any thoughts. I don't mind just keeping it dorment as a way to stick to the bank but, it never gets used so why keep it open.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard