Originally Posted by
sdsearch
Do you have any
need 4 for MLB cards? There are hints that BofA
may also count total cards, but it's not clear. But on that possibility, assuming you don't really need 4 MLB cards, then closing at least some of them might make sense. Except:
Don't close BofA cards without lowering credit limit first. Credit limit that's lowered (
at least a day or two) before you close the card becomes available to new applications within a few months. Credit limit that remains on BofA cards at the time they're closed stays unavailable to new applications
for a year or more!
(So hopefully you
already reduced the credit limit on some or all of those cards, because otherwise just having too high a combined credit limit, or having lowered it too recently, could also be grounds for denial.)
That was my next question when to lower the limit and how long it takes for it "appear". Thanks for the heads up!
Originally Posted by
newdaybegin
Oh damn I had not lower the credit for those card yet, it been sock drawn for almost 1 year, look like will lower the credit then will stay out to apply the card for another 6 month
The CS Rep said I have too many cards opened with them. I have a VA and AS card and she didn't say that it was specifically AS. I would recommend to close them all out if you don't need them.