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6 months Cap 1/HSBC Auto CLI?

Valued Contributor

Re: 6 months Cap 1/HSBC Auto CLI?


pizzadude wrote:

j_casteel wrote:

 

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.

 

Thanks,

 

John


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?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 11 of 15
Super Contributor

Re: 6 months Cap 1/HSBC Auto CLI?

Yep ~ they'll cut you a check, probably will take 30 to 60 days for them to process it.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 12 of 15
Valued Contributor

Re: 6 months Cap 1/HSBC Auto CLI?


pizzadude wrote:
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.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 13 of 15
Established Contributor

Re: 6 months Cap 1/HSBC Auto CLI?

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!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 14 of 15
Contributor

Re: 6 months Cap 1/HSBC Auto CLI?

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.

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Message 15 of 15