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Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: BB store card to close or not

i will just hold off till all inq fall off ...close it....wait a few months then reapply see what happens ...that will take place after my discover and Amex app....


Frequent Contributor
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Registered: ‎01-29-2009
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Re: BB store card to close or not

We had  a plan b card also . Started out at 750.  two years ago ( i think it was) they offered a 100 CLI  if we charged 400 or more on it during christmas. We did and they did raise it.. From there after many pushes of the CLI link on the website(with no luck)  we decided to call in and ask the about a CLI and after talking to them and a HP .. they gave us another 300 CLI .  So while the card is lack luster it has grown.  Now after having the card for over 4 years now we have officially given up on the card and closed it a few weeks ago. It sucks because my wife is a manager at best buy and we shop there often. But we felt it was what needed to be done in order to move up from the plan B card.  We plan on applying again after the first of the year.  


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Contributor
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Registered: ‎10-28-2011
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Re: BB store card to close or not

thanks again........I will probabaly shut it down sometime next year and then reapply a month or two later...


Established Contributor
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Registered: ‎10-28-2011
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Re: BB store card to close or not

[ Edited ]

please let me know how it turns out.......thanks again...pls send me a private message...thanks 


Established Contributor
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Registered: ‎10-28-2011
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Re: BB store card to close or not


bichonmom wrote:

You have good TLs with long enough histories, so it won't hurt you to close it. I don't know how much good it's going to do for approval of the card you want to keep this one open. But it probably can't hurt, either. I'd just do whatever you're most comfortable with.

 


will it hurt my AAoA if I close it ????.....think I want to shut it down......what are the negatives that will occur with closing it ??


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: BB store card to close or not

I'm not sure if I got the Plan B card but it started at $750 and moved up to $1000 after 6 months $1300 after year. No HP's.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
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Registered: ‎10-28-2011
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Re: BB store card to close or not

[ Edited ]

LS2982 wrote:

I'm not sure if I got the Plan B card but it started at $750 and moved up to $1000 after 6 months $1300 after year. No HP's.


they will not budge on my plan B card..

 

If you have gotten CLI without any pulls then its not a B card

 

 

....I just dont want to screw anything up for my mini mini mini app spree in June (AMEX ,Discover and maybe 1 other card...not sure yet .....any suggestions???


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Re: BB store card to close or not


amercnchopz34 wrote:

LS2982 wrote:

I'm not sure if I got the Plan B card but it started at $750 and moved up to $1000 after 6 months $1300 after year. No HP's.


they will not budge on my plan B card..

 

If you have gotten CLI without any pulls then its not a B card

 

 

....I just dont want to screw anything up for my mini mini mini app spree in June (AMEX ,Discover and maybe 1 other card...not sure yet .....any suggestions???


Are they saying you are totally ineligible for a CLI or they want a HP to get a CLI?

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: BB store card to close or not

[ Edited ]

exact words were.....this account is not eligible for a CLI  due to it is a  "extended line of credit"  for rebuilders..........


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: BB store card to close or not


amercnchopz34 wrote:

exact words were.....this account is not eligible for a CLI  due to it is a  "extended line of credit"  for rebuilders..........


ahh......ok yea that sums it up Smiley Very Happy

 

Well I wouldn't waste a HP to get a new card with them, keep them for your prime apps to come up soon.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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