new scam

[ezdays]

I'd like to get rid of the one remaining credit card I have but it is really hard to function in today's world without one.

It's very difficult to get by without one. My problems is that I have way too many, but your credit rating can take a hit if you cancel any. Thanks to banks closing and store cards, (like Cabela's or Sear's), being sold to giants in the card business, I have a number of duplicates with the same card company. I asked them one time if I could merge cards, and they said I'd have to cancel one, again, risking a less than stellar credit rating. How important is a good FICO? Well, my last mortgage refi was a breeze and I got the best rate at the time thanks to a decent FICO score. I have a few cards that I may only use once in a month's time so if I have a problem with that card, I know where the source is.