CC regrets

[Anonymous]

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@creditwherecreditisdue wrote:

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@BungalowMo wrote:

I'm glad you clarified the reason you'd want to close the BP.  Mine is on the way!

I was having one of those "what did I do?" moments!

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He has a BP gas card. You're getting a BP Visa, Mo. Yours is a better card by far.

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I got the gas card intentionally because I knew having one store/gas card in the mix may be beneficial. I figured a gas card would be something I'd actually use. But I ended up getting a Kohl's store card which is unbelievably more useful. Hence, another reason I regret the BP card. At least I know that if nothing else, I can roll the $1200 BP limit into my Chase Freedom limit to get a "CLI" without a hard pull...

[Anonymous]

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@Anonymous wrote:

 At least I know that if nothing else, I can roll the $1200 BP limit into my Chase Freedom limit to get a "CLI" without a hard pull...

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I would do it then, since having the BP only line does nothing for you.

[marty56]

You could sign up for CC payment protection with them and have them bill the CC each month, thus showing regualr use.

Seriously,  as long is doesn't have an AF, I would just keep it open and if they want to close it, let them. 

[aquatic1]

I regret applying to Mac's today online....denied

[Anonymous]

For me, I regret the Chase Freedom card becaue of their "hard pull" for CLI requirement.

[MarineVietVet]

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@Anonymous wrote:

Over the past year I have gone on a protracted app frenzy and have acquired 7 new cards - I now have a total of 8 cards. After reviewing my credit picture today, I realized that there is definitely one card that I regret apping for - my BP gas card. I have realized that I don't really go to BP's that often so it's an annoyance to periodically put a charge on the card.

So how about everyone else? Any recent (or not so recent) apps/new cards that you regret?

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Haven't had any new apps in over 2 years. Can't say I regret any cards I have now. What I DO regret is closing so many accounts over the years. That was before I learned about account aging and other boring things like that.   But you live and learn (hopefully learn for the best).

7/09
TU-742
EQ-779

Time can heal all wounds and a low FICO. 

[creditwherecreditisdue]

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@MarineVietVet wrote:

What I DO regret is closing so many accounts over the years.

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A hard learned lesson. I hope others are paying heed!

[bigtim]

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@aquatic1 wrote:
I regret applying to Mac's today online....denied

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What's Mac's? Do you mean Macy's? Why the huge difference in your TU vs. EQ scores?

[creditwherecreditisdue]

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@aquatic1 wrote:
I regret applying to Mac's today online....denied

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If you mean Macy's I would call them for a recon. The worst think that could happen is that you will gain some experience answering questions on a recon call and you might just walk away with a new, albeit small, TL.

[aquatic1]

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@bigtim wrote:

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@aquatic1 wrote:
I regret applying to Macy's today online....denied

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What's Mac's? Do you mean Macy's? Why the huge difference in your TU vs. EQ scores?

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Thanks for catching my typo.  It is indeed Macy's.  I believe the difference in scores between the two CRA has to do with how things are reporting.  I actually have ONE collection account on EQ that I am going through the HIPAA process with.  On TU I have 4 CA's listed.  Another difference is I have one Student loan listed on EQ and over 12 on TU.  I also think one big issue is that EQ is reporting my car loan as a closed account with a balance and TU has it as open and paying as agreed.

Its very frustrating with the way each CRA is reporting and no matter what I have done, they are still reporting so different.  Oh well.  As I continue my repair, I am hoping things will get corrected!