Credit Card Center Advertiser Disclosure†
03-01-2010 03:29 PM
03-01-2010 04:36 PM
03-01-2010 04:44 PM
03-01-2010 08:11 PM
03-02-2010 04:54 PM
Yup, im in the same boat, they've got a 59 AF with a 1500 CL, havent given me a CLI since Aug 07 right as the economy was tanking...now i really see no need for the AF.
I just dont want to mess around with the age of the count..Its been open since 6/2005 and has the longest tenure on my report.
03-02-2010 08:17 PM
03-03-2010 08:51 AM
Sjp, the acct will stay on your report for 7-10 yrs, so it won’t (or shouldn’t) mess w/the age. Due to being "underground" for quite awhile credit wise, my AAOA is fairly young anyways, so fico impact should be minimal. I have 6 other ccs opened between 08-09 + I'll be opening up a USAA + NFCU secured ccs soon, so that should more than cover the loss of orchard.
I just couldn’t justify paying orchard for another year for a cc w/o rewards, a cl I can’t really use much (I travel A LOT, so usually had to max the cc out/use several ccs to book a trip), + most importantly, little to NO chance for a cli. Seriously, 1 200$ cli in 3 years w/flawless history on the acct? What irked me a bit is that I saw others (most of whom barely had their orchards for 6 mos.) recently get auto 200 clis. Every time I called in 3 years, I kept getting some song and dance about why they would NOT give me a cli. Had they totally waived the AF, I would’ve stayed w/them, but I just couldn’t justify paying nearly $40 for another year w/them.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.