Help me decide which cards to keep or close!

[Gaurav_G]

Hi all,

I currently have 11 active credit cards, and I feel that my profile is starting to look over-leveraged (recently, even HSBC/SBI applications have been declined).

My CIBIL score is ~790.

I’m evaluating which cards to keep and which ones to close to improve my overall credit profile.
Here’s what I currently hold:

Actively used

1. Axis Bank Airtel Card – (paid, used for utility/bill payments)

Lifetime Free Cards (LTF):
2. OneCard
3. ICICI Amazon Pay
4. ICICI Coral
5. Axis Privilege (Amex)
6. Axis Neo
7. IndusInd Legend
8. RBL ShopRite
9. HDFC MoneyBack
10. HDFC Swiggy
11. Kotak League

Note: Other family members already have SBI Cashback and Tata Neu, so I don’t need to retain similar benefits on my end.

Could you please suggest which cards I should close and which ones I should retain, keeping in mind that I want to avoid over-leverage and maintain a healthy creditworthiness?

Thanks in advance!

 

[Inferno]

Close axis neo
Not worth to keep after recent devaluations

 

[wanderer0]

Keep both ICICI & HDFC cards and close what you don't use from the rest.