I think i am going to close it. I have the Cap1 Plat card zero balance, and the AMEX Zync $500 w/autopay. I also just recently became AU on a Citi World card 0/11,400 and AMEX Blue Cash 0/33,300. I'm not worried about util b/c i always PIF anyway. All these cards are PIF and have NO baddies. So i think i'm gonna close the HSBC/Cap1 card and just garden for a bit. I don't need the $300 limit, and its only ~14.5 mths old.
Good call ~ It will stay on your credit reports for 10 years from the date closed, and you save the AF.
Currently i have a positive balance of $14 on it. I guess i overpaid on it. So if i close it do they just send me a check?
Yep ~ they'll cut you a check, probably will take 30 to 60 days for them to process it.
Thanks...I'm gonna close that one on Monday.
6th statement came out and same $300 credit limit. I am sock drawering as there are no rewards to it. No point in continuing to run 400 a month on it. Oh well!!
You can never truly predict cap 1. I received an auto CLI just last week for the one card I have with them going up to 500CL, however they still have my card restricted.