03-30-2009 10:32 AM
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
03-30-2009 10:47 AM
03-30-2009 10:57 AM - edited 03-30-2009 10:58 AM
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!
03-30-2009 11:13 AM
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...
03-30-2009 11:19 AM
03-30-2009 07:31 PM
04-01-2009 05:31 PM
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.
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.