Quote:
Originally Posted by PSUSMU
My credit score is in the 740-760 range. I have 0 negative items on my credit report. I have a mortgage, auto loan, and other CCs all in good standing. Longest account history is probably 6 years. Only item negatively impacting my score is lack of accounts with 5+ years history. My credit utilization is always <30%.
I have a substantial amount of Amex reward points - so the paid cards are worth the added multipliers to me.
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Then just close the account, you may take a small hit but shouldn't be anything that makes you say "WTF" and certainly not something you can't bounce back from in a few months.