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So, I have an excellent credit score, and I would like to keep it that way :) (800+)

I just opened a new Chase Sapphire Preferred card, and realized that I am now flirting with the north end of the number of credit cards I would like to have open at any one time.


Presumably your score is already reflecting the impacts of opening the new card? If not, you probably want to see those impacts before you make any additional changes to your score.

Basically, I want to close credit card #2, but I worry about the impact of closing such a long held credit line on my credit score. Any tips to try to forecast the impact?

www.creditkarma.com has a score simulator that I've used before. Unfortunately, it only has the option of closing your oldest card. That said, as long as the credit limits on the two cards are similar, the impacts of closing your second oldest card should be the same or less than the impact of closing your oldest card.

As mentioned above, you should be sure that the new card is already reflected in your credit score before you use the simulator, since opening a new card also impacts your account.

AJ
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