- Centurion Member
- Posts: 167
- Joined: Sat Aug 17, 2013 1:01 pm
- Location: Fort Lauderdale, FL
A few others have said the same thing but I wanted to also throw my two cents in.. try not to close cards unless it's illogical to keep them (high fees, unlikely to get a CLI, etc.). Another factor into your score is the age of your accounts. The longer you've had the card(s), the better. Like everyone else has said, your biggest concern, which is fortunately only temporary, is your ~30 inquiries which will eventually fall off, and your high utilisation. Pay down the maxed cards, starting with the one with highest APR. Your goal, like others have said, is 10-30%. Once you get a CLI, do not even try asking again on the same card before at least 6 months have gone by.
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