3 More Accounts Closed Today!! :-) 2 More on 4/6/2017

[grillandwinemaster]

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@Blackbeauty212 wrote:

Delete

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Wow! You have 7 visas!

I'm thinking Of closing my Firestone card Next, and I'm wanting to replace it with a Visa card since I don't have one in my portfolio. 

I want a visa for two reasons:

1- for Costco purchases

2- for rental car benefits

Can I have one Of yours? Lol

[grillandwinemaster]

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@joltdude wrote:

You also can have all the AUs removed from your report... AU means your not responsible for the account.. But your better off if it closes at 0 and not forcing the deletions.

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Wells Fargo is down to zero! One AU down, two to go! 

[bk510]

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@grillandwinemaster wrote:

I closed three more of my "rebuilder" accounts today. 

Fingerhut-$850

Gettington-$550

Bosch-$1,000

I must say, it always feels good closing rebuilder accounts.  They weren't serving any purpose.  I'm down to ONLY 5 reporting credit card accounts, and the weight of trimming the fat feels great!!

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Way to go master, Congrat

[grillandwinemaster]

UPDATE!!

2 MORE accounts closed today!

Firestone

Cap1-Merged, closed the 2nd account

I'm having a hard time closing Kay Jewelers because I like the credit limit.

It helps with utilization, and I'm paying down my Discoveraccount to zero.

I was careless and accrued debt.  

Maybe after Discover is paid down, I can close Kays as well since it wont have

as much of an impact on utilization at that point.

Any thoughts??

[AverageJoesCredit]

I know this one....wait ...let me think....oh yes...

Every Kiss begins with Kay....yeah

Lol, sorry Grill without power right now and only got like 10% battery life so ill make this quick...


GREAT JOB!!!!

Nothing wrong with keepin a little padding for now. Once you get your big Navy card, then drop K like l does to m & n OP

[ChargedUp]

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@grillandwinemaster wrote:

UPDATE!!

2 MORE accounts closed today!

Firestone

Cap1-Merged, closed the 2nd account

I'm having a hard time closing Kay Jewelers because I like the credit limit.

It helps with utilization, and I'm paying down my Discoveraccount to zero.

I was careless and accrued debt.  

Maybe after Discover is paid down, I can close Kays as well since it wont have

as much of an impact on utilization at that point.

Any thoughts??

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If the Kay card is helping with uti ratios then throw it in a drawer until you've lifted other limits to the point you don't need it. No AF so I don't see it hurting anything .

Congrats on the housekeeping efforts! (y)

[grillandwinemaster]

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@AverageJoesCredit wrote:
I know this one....wait ...let me think....oh yes...

Every Kiss begins with Kay....yeah

Lol, sorry Grill without power right now and only got like 10% battery life so ill make this quick...


GREAT JOB!!!!

Nothing wrong with keepin a little padding for now. Once you get your big Navy card, then drop K like l does to m & n OP

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BIG NAVY card would certainly do it!  :-)

[grillandwinemaster]

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@ChargedUp wrote:

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@grillandwinemaster wrote:

UPDATE!!

2 MORE accounts closed today!

Firestone

Cap1-Merged, closed the 2nd account

I'm having a hard time closing Kay Jewelers because I like the credit limit.

It helps with utilization, and I'm paying down my Discoveraccount to zero.

I was careless and accrued debt.  

Maybe after Discover is paid down, I can close Kays as well since it wont have

as much of an impact on utilization at that point.

Any thoughts??

---

If the Kay card is helping with uti ratios then throw it in a drawer until you've lifted other limits to the point you don't need it. No AF so I don't see it hurting anything .

Congrats on the housekeeping efforts! (y)

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I agree. That was kind of my thought as well.  Kay's is at $0/$6,000, so it certainly is helping.  I have to pay discover down from the $4,500 that I owe.

Discover is the only card reporting a balance at this point.  Can't wait to pay it off, and then it's "no more kisses" for me! Lol

[joltdude]

I think the term you want for Kay is to be able to kiss-off Kay =)

[grillandwinemaster]

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@joltdude wrote:

I think the term you want for Kay is to be able to kiss-off Kay =)

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KISS-KAY!!  Lol, 

Although, Kay has been a total lady when it comes to "helping out a friend" with 

establishing credit!