I will do my best to stick to format although my cc limits I am not sure off the top of my head. Looking for advice maximizing on my credit score. My fico score is consistently 810+. My wife and I are somewhat frugal. We do not eat out a lot. We travel (fly) once a year. We each average less than 10,000 miles on our vehicles. Which are both paid off.
We "own" our home. We don't plan on moving anytime soon. I have no cc debt.
I have 4 cards. Listing oldest to newest
Capital one student card. Limit 4500?
Honestly thinking of cancelling this one low rewards. 10 years
Discover chrome. Limit 10k?
10 years. This was a main card for me for a long time. Had bonus categories at first but those are gone. Thinking of getting rid of this as well.
BOA customized cash 16.5k limit
1yr+ got an offer from them over a year ago for $300 if I spent x amount.
BOA unlimited cash card. 10k limit
1yr+ same as above for an offer for$300 credit if I spent x amount.
I am thinking of replacing the capital one and discover card with 2 of 3 here.
Chase freedom card with 250 sign on bonus
Amex everyday card with 200 sign on bonus
Wells fargo Active cash with 200 sign on bonus.
Looking for advice if there are better offers I can get? I don't seem to get much in the mail as far as offers. I'm not looking churn a heavy amount my life is about as busy as I want. I have never closed a card so that makes me a bit nervous. I would obviously apply for the new ones before I would close any.
Posted by 6ltrPrius