- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Yes to closing the PNC after you've had your other cards a year.
I don't see a reason to close BB unless you won't ever use it again. In that case I could see it.
You can use as much as you like but make sure what reports is under 10% for optimum scoring, on one card. If you ever don't do this, no biggie it gets fixed the next month. I'm just talking ideal optimal scoring.
Use them, just pay before they report. What you want IDEALLY to report is under 10% on one card. As long as overall utilization doesn't go nuts it won't hurt you that much don't lose sleep over this if you keep it reasonable.
I think honestly I'd wait with what you have now and let them age and grow for a bit then go for somethings like Kohl's or an Amazon card. Chase offers an Amazon card, however one of the 5% categories for Freedom in the fourth quarter this year is Amazon so that will be great for you. Just ride what you have for now, give it 6 months to a year then re-evaluate and maybe add a couple more that suit you.