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Closed ye ole high capacity $700 card about 6 weeks ago after an unsuccesful bid to get AF waived, and was waiting for it to report.
Well it did, and no change to EX Fico score..... Sweet.
Dont fear the shreadder
Well, the only way closing a CC can hurt your scores is by losing the avail credit, hence, possibly raising your util, the card will continue to report for 10 years after you close it, so your AAoA's will not be affected right away.
However Congrats to both of you for closing those pesky low limit AF cards
@Smug wrote:
Thats ok appd for five cards last week PSECU 5k, Barclays 5k,Amex, Discover and BOA accelerated rewards Amex, was able to add all five....
Wow, Congrats on that!!!
@Anonymous wrote:Well, the only way closing a CC can hurt your scores is by losing the avail credit, hence, possibly raising your util, the card will continue to report for 10 years after you close it, so your AAoA's will not be affected right away.
However Congrats to both of you for closing those pesky low limit AF cards
Yes! And having the card drop off after 10 years shouldn't hurt since you will have 10 years of history from other cards.
@minimock wrote:Closed ye ole high capacity $700 card about 6 weeks ago after an unsuccesful bid to get AF waived, and was waiting for it to report.
Well it did, and no change to EX Fico score..... Sweet.
Dont fear the shreadder
Glad I'm not the only one. Closed and shredded mine last week. Noticed it didn't affect my score at all. CL was 500.
Waitign t oclose my $300 BBRZMC
Been stuck at ths amount for 3.5 years no CLI
The letter I got from them last week said 'This account is not eligible for a CLI'
I will cancel before the AF next year.
I have this card and yes it has a measley limit but I have no AF. Am I missing something? I even called to speak w/ rep who confirmed I do not have an AF. Is there a certain type of the BBRZMC that has the AF.
Yes, the next tier down gets an AF.
I have this card, and another with hsbc advance.
BRZMC is being sold to Capital one, so I'm seriously thinking about just closing it considering 20% is a far from CC happiness.