09-11-2011 02:19 PM
It's so fun to call and cancel FP! I tried last week but they offered me 45 bucks to keep it open. Spent the 45 bucks on school clothes and then closed it.
Yip! Last week, of the 4 cards I closed 2 were HSBC cards, and it felt absolutely great to do so. The next day, I was approved too for a Discover card with a $1500 CL. It shocked the heck out of me - 8 years ago, Discover was one of my highest CL cards when I declared bankruptcy. I thought it would take a few more years befrore they let me back in. The ironic thing is that one of the HSBC cards I still have is a Discover Network card. It was the first card I got three years ago when I started rebuilding. It started with a $2100 limit but got decreased to $1990 a couple of years ago. I was debating closing this one too, now that I have "a real Discover," but I am thinking I should wait to see what HSBC and Capital One are doing. I have a couple of cards with Capital One too - And to be honest - I am fine keeping the Discover Card and just my Capital One MC and closing the Capital One Visa, which they refuse to increase and the HSBC Discover, just because I really do not like dealing with HSBC. Other than watching what HSBC and Captital One will do - I guess keeping these two would be good for the age of my cards- all gotten in early 2008 esxcep the Discover Card.