Dormant Credit Card

charleyroo

Hi all

I had a plain old Natwest credit card (my first ever one!) from Jan 2010 with a credit limit of £500.

When I booked a cruise I decided, after saving, that I'd like to pay it through my credit card for extra protection and pay it off immediately. Being over £2k for the trip, I obviously needed a higher limit to pay for the trip.

I asked Natwest for a credit increase a couple of times but they said no - first time was within 12 months so there could be a reason behind that, but asked once since then and was refused again - so I decided to take my custom elsewhere and went for a Nationwide 0% card which gave me a £4.5k limit.

I've kept my Natwest card since, but I'm not using it and as I only have a 2 year mortgage deal I want to be really squeaky clean to make sure I get another good deal.

Given that I have a Next account also as well as these 2 credit cards, which leaves me with £7,900 available credit (all unused though) and 3 current accounts (1 for personal spending, 1 for housekeeping and one for 'setting things aside') should I be a bit more clever and close the Natwest credit card and maybe one of my current accounts? Do these things make you more of a risk?

Thanks for any insight!

Charl