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Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: Advice on which to close

Nice job!  Seems like this will work out best for you since you travel.  Nice merge with the Chase cards - wasn't sure if they'd do that or not.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Advice on which to close


RyGuy4690 wrote:

Guys- Thanks for all the great information.

 

I am going to keep the Discover open as a lot of you guys had mentioned. 

   

Chase rolled the Slate CL into the Sapphire so now I have a saph with a 10K CL    

 

Bank of America allowed me to merge the cards, as you guys had said the PW is a better rewards program so now I have the one BOA card that is the PW with a 5K CL   

 

I am keeping the AMEX cards the way they are. 

 

The store cards are just going to stay open. 


Good choice!
Congratulations!    Keeping the older acct.

Very Good!   keeping the older acct also.

 

We are so glad to hear success story like this ~

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Established Member
Posts: 66
Registered: ‎06-19-2011
0

Re: Advice on which to close

Exactly. The travel benefits outweigh that plat AF. I may even be able to get a little bit of money shaven off that when it comes up in the fall/early winter. I believe its around Nov/Dec.

 

It made sense about the merge with the Chase cards as well. The only thing is that because the Saph. is a visa signature, will that hurt me because it will not report an actual CL?

EQ 727/TU 724/EX 716 myFICO 4/3/2016

Amex PRG NPSL/BoFA Cash Rewards Visa Signature 21k/Capital One Quicksilver VS 21k/Chase Sapphire 20k/Amex Gold Delta 12.3k/Discover It 11.9k/Citi ThankYou Preferred WMC 10.1k/American Airlines Silver WEMC 10k/Best Buy store card 10k/Macy's store card 10k/JCP store card 10k/Chase Marriott Premier VS 6.5k
Established Member
Posts: 66
Registered: ‎06-19-2011
0

Re: Advice on which to close


bunnyrabbit wrote:

RyGuy4690 wrote:

Guys- Thanks for all the great information.

 

I am going to keep the Discover open as a lot of you guys had mentioned. 

   

Chase rolled the Slate CL into the Sapphire so now I have a saph with a 10K CL    

 

Bank of America allowed me to merge the cards, as you guys had said the PW is a better rewards program so now I have the one BOA card that is the PW with a 5K CL   

 

I am keeping the AMEX cards the way they are. 

 

The store cards are just going to stay open. 


Good choice!
Congratulations!    Keeping the older acct.

Very Good!   keeping the older acct also.

 

We are so glad to hear success story like this ~


I think we may be a little bit not on the same page. They had to close the old BOA card. Being that my CL is now 5K, shouldnt that new Visa be a signature card now?

EQ 727/TU 724/EX 716 myFICO 4/3/2016

Amex PRG NPSL/BoFA Cash Rewards Visa Signature 21k/Capital One Quicksilver VS 21k/Chase Sapphire 20k/Amex Gold Delta 12.3k/Discover It 11.9k/Citi ThankYou Preferred WMC 10.1k/American Airlines Silver WEMC 10k/Best Buy store card 10k/Macy's store card 10k/JCP store card 10k/Chase Marriott Premier VS 6.5k
Valued Contributor
Posts: 1,296
Registered: ‎05-13-2010
0

Re: Advice on which to close

It only becomes a Visa Signature on request.  They don't automatically convert.

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $15k/11.99% | Amex BCE - $25k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $33.5k/11.99%
Established Member
Posts: 66
Registered: ‎06-19-2011
0

Re: Advice on which to close


smc733 wrote:

It only becomes a Visa Signature on request.  They don't automatically convert.



What would be your suggestion on that?

EQ 727/TU 724/EX 716 myFICO 4/3/2016

Amex PRG NPSL/BoFA Cash Rewards Visa Signature 21k/Capital One Quicksilver VS 21k/Chase Sapphire 20k/Amex Gold Delta 12.3k/Discover It 11.9k/Citi ThankYou Preferred WMC 10.1k/American Airlines Silver WEMC 10k/Best Buy store card 10k/Macy's store card 10k/JCP store card 10k/Chase Marriott Premier VS 6.5k
Highlighted
Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Advice on which to close


RyGuy4690 wrote:

bunnyrabbit wrote:

RyGuy4690 wrote:

Guys- Thanks for all the great information.

 

I am going to keep the Discover open as a lot of you guys had mentioned. 

   

Chase rolled the Slate CL into the Sapphire so now I have a saph with a 10K CL    

 

Bank of America allowed me to merge the cards, as you guys had said the PW is a better rewards program so now I have the one BOA card that is the PW with a 5K CL   

 

I am keeping the AMEX cards the way they are. 

 

The store cards are just going to stay open. 


Good choice!
Congratulations!    Keeping the older acct.

Very Good!   keeping the older acct also.

 

We are so glad to hear success story like this ~


I think we may be a little bit not on the same page. They had to close the old BOA card. Being that my CL is now 5K, shouldnt that new Visa be a signature card now?


This is how I understood ...

 


RyGuy4690 wrote:

 

I would like to share my portfolio of cards currently:

  

Chase Slate- 5,000 CL- opened 1/11

Chase Sapphire- 5,000 CL- opened -8/10

 

Bank of America Power Rewards Platinum- $2,500 CL- opened on 02/11

Bank of America Platinum WorldPoints- $2,500 CL-opened 04/08 


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.

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