I was wondering what everyones opinion is on closing cards with absurd fees. About 8 months ago I finalized Ch 7, and things now are a million times better, and I have been able to re-establish my credit for the most part. I began with cards such as credit one, and first premier, and now have a USAA credit card, and a Sparks Business card. My question is when should I close the first two because of their fees. Do it now, and take the hit, or wait and close it right before they charge me the AF.