This is my list of CC Accounts... 1st national bank of marin - 300 american express optima - 600 Aspire CC- 300 Capital One- 300 citgo gas card - 250 citibank platinum select - 1000 citibank upromise - 3200 Dell Preffered - 1500 first national cc - 2500 first premier - 375 gulf oil - 300 household bank/ Orchard- 400 Lord & Taylor- 200 Macy's - 200 Patelco - 3000 plains - 350 Target- 200 Walmart - 410 Is this too many? Should I close the lower limit ones or the ones that charge me a monthly fee? The one I hate the most is aspire, first premier, plains because of the monthly fees that I have to pay. Or because of the fee to use them. I owe nothing on any of these cards... all zero balance...
I don't like monthly or annual fees that's why none of my cards have Em. . Since you don't have a high utilization issue I don't see where closing those would hurt.
I personally would close anything w/ an annual/monthly fee........you don't need'em w/ those low limits....
