A change of paradigm from CL to Rewards

[longtimelurker]

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@Themanwhocan wrote:

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@clocktick wrote:

I'm in full support of closing cards that are not used.  It doesn't seem like a lot of people are though.  I've never had lenders seem deterred from open accounts, however.

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I had a lender deterred just last week... too many opened cards last year.

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But that sounds like "too many recent inqs" (seeking credit too much so you are risky) rather than too many open accounts.

[Fico2Go]

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@longtimelurker wrote:

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@Themanwhocan wrote:

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@clocktick wrote:

I'm in full support of closing cards that are not used.  It doesn't seem like a lot of people are though.  I've never had lenders seem deterred from open accounts, however.

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I had a lender deterred just last week... too many opened cards last year.

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But that sounds like "too many recent inqs" (seeking credit too much so you are risky) rather than too many open accounts.

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Too many opened accounts is very different from too many recent inquiries.