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BK has fallen off report, now what do I do with credit?
FICO 704. 18 accounts in good standing, but all have rates of 17.99% and above. Not having success asking for lower rates. Being told to apply for lower rate products (Cap One, for instance). Not sure if applying for more credit to get lower rate is smart. If I do this, should I close the higher rate accounts, even though they are my oldest accounts?

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with a 704 you should qualify for 0% into rates. they range from 12 months to over a year. there are even a few cards that do not charge a balance transfer fee...chase slate if i recall correctly!  i'd transfer to balance to 0% cards, leave the old ones open and pay down the balances. you don't need 18 open accounts though. i'd pick 3-5 revolving accounts that you want to keep open, preferabbly the oldest ones, and after paying down the 0% cards, leave those older accounts open and use them just for established payment history (pay off every month). if you pay them off every month, the APR is irrelevant. 

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