Providian- $8,000 limit- 5 years Department store- $700 limit- 8 years- definately a keeper Capital one- $1500 limit- 2.5 years Capital one- $1,000 limit- 1.5 years Chase- $5,000 limit- just received Bank of America- $4,000 limit- just received AmEX Blue- just approved. Do not know limit yet. Thanks to everyone here for great advice and support. I would NEVER have received any good cards without everyone's help. I now have 7 accounts. I think this is too many. I think I should consolidate to at least 6, but preferably 5. I'm sure my FICO is going to be affected by these new accounts and the closing of 1 or 2 of them. I just need some expert advice on what to do. I'm thinking of combining my CapitalOne accounts as long as they keep the history of my longest account. I'm also SERIOUSLY contemplating closing my Providian account. I know I've had it for a long time, but they have made me so angry by not at least giving me better account terms. They won't even give me a grace period! They have all but drawn me a picture that this account cannot be given a grace period. If I can't get that, I know I'll never receive a Platinum or even a Smart card for that matter. Do you think if I close this account, it will affect my score a lot? The account is never going to be upgraded. Any advice is appreciated. Dogman- Your harrassment forced me to fall off the wagon again. ;-) However, I'm must thank you for the end result! Momof3- I can't wait to join your club!