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I'm on a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!
So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.
Lisa
@pattycake wrote:
Yay!!!! Have you seen the RIP Orchard thread? Very funny....
Ha! I was trying to decide if I just want to cut it up or set it on fire. :-b Do you think plastic fumes are dangerous?
Congrats on the Orchard curb kick!
And yes...the Orchard Memorial is a hoot!!!
LisaPA wrote:
I'm on a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!
So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.
Lisa
@haulingthescoreup wrote:
@LisaPA wrote:I'm on a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!
So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.
Lisa
Just to point out to all readers, closing a card doesn't affect your AAoA until it falls off your reports 10 years later (earlier for EQ, which is trigger-happy.)
Congrats on graduating from rebuilding land!
Sorry, I was thinking long term, but I didn't say so. You're right, it wouldn't affect anything now anyway, but as long as I keep the CapOne open, I keep the same age.
Thanks!
@LisaPA wrote:
@pattycake wrote:
Yay!!!! Have you seen the RIP Orchard thread? Very funny....Ha! I was trying to decide if I just want to cut it up or set it on fire. :-b Do you think plastic fumes are dangerous?
They are! It's so much better to shred!
Congrats on your divestment!