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06071514bre

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just open new credit card and transfered balance on old higher %, should we close old card?

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Unless you are being hit with a big annual fee, there is no reason to close that card. Closing the card will only hurt your credit, so unless there is a financial reason to close it (annual fee) don't do it. What you can do is call them now that it is paid off and request that they lower your interest rate. I have done this on all of my cards and it was granted on all of them.

Then you want ot use that card once a month (but gas or groceries) then when your statement comes pay off the statement balance in full. That gets you an on-time payment credit, plus proper utilization, and you won't get charged interest since you paid it off in full. By keeping it active even though you are not carrying a balance it will eventually lead to them increasing your limit.

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