Originally Posted by
imverge
The interest rate will be dictated by her credit score and all the new credit and hard pulls will not help in that dept.
What is the age of each card?
I wouldn't lower the limit either because if anything it will show she is not maxing out her cards (I hope she is not) and wouldn't cancel anything just yet. You may get a lender who will say "you have too much credit" which at that point you can offer to close one or two accounts to appease their concern.
Thanks, imverge.
She has two cards that are several years old, an SPG Amex from last year, and two cards in the last month. For the new cards, she'll make the spend required for the churn and then probably not a lot more.
Payment history has been solid.