Cancelled my Orchard Bank CC today. Had it for about 1.5 yrs with $750 CL. Was actually my newest acct and substantially lowest CL. And of course they offered to cut AF in half (credit back) if I stayed with them. But I see this card as a hold back.
If I am going to spend, its going to be with a bank or CU that works with me and has Rewards
Actually went with the PenFed Travel Reward Visa. Planning to use my Reward cards to pay for vacations.
I upgraded CapOne to a No Hassle Miles Reward Ultra, changed out Orchard for PenFed Travel, added Alliant and Discover Escape (is Discover Miles with double rewards).
Once my new CapOne gets here I will call in to transfer current $1K CL to new Reward card, then close original.
Plus Chase let me product change my WAMU Plat Visa nothing card ($3.5k) to a Freedom Reward.
Lastly, keeping my BoA Plat Plus $10k. I wonder if they would product change/convert to World MC Reward?
No more builder cards!
Awesome results you've had, TX!! I'm dumping my HSBC with it's very generous $300 credit limit in October when they try to bill me for an annual fee and not until then, so I can tell them what to do with the AF and their card...
Nothing magical....just the same 'ole principles that are taught here.
And it has been 4 years in the making....not just 1. Time, the one constant of credit.