I am looking to cancel my capital one cards and get a new card. My ficos are around eq 630, ex 645, tu 696
With TU bring your best report, I'd say perhaps Chase. I think they pull TU exclusively. This is assuming, of course, you have no public records or recent derog information. Are the Cap One's your oldest accounts? If so, it might hurt your score to close them right now
I got Chase with scores in that range, and if you close the Crap one cards it will hurt your scores, Chase has nice BT offers that could allow you to move your balances off Crap one and stuff them in a sock drawer. hope this helps
hehehe thanx...Does a Balance xfer close the other account? Sorry to ask such a basic question but I am not familiar with how BT works
If you BT'd your balance from Cap One to Chase, it wouldn't close out the Cap One accts. It just transfers the debt from one creditor to another. Your accts would remain open, still subject to the annual fee- but with a 0 balance.
