Here is my situation. I am post chp7 as of January of this year. I’ve begun to rebuild credit and it’s working quit nicely. Currently I have 2 QS1 cards ($ 300 & $ 500), a NFCU secured card ($ 500) and I rediculous CC called TOTAL for $ 300. I really want to get rid of the TOTAL CC as it has no perks and I learned on yesterday that they only give CLI’s of $ 100 per year. CAN YOU FREAKIN’ BELEIVE THAT.
Anywho, my thoughts are to transfer what little balance I have on this card and move to another card. Being post BK should I just leave the card alone for a year and then do away with it? Do I come out the garden and look for a card that I can transfer then balance to? With my scores is it even possible? All comments and suggestions are welcome.