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Regular Contributor
Posts: 234
Registered: ‎05-12-2010
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Re: Cards that are no longer useful - to keep or close?

My most useless

1.  Everything that isn't my AmEx Blue Sky or Paypal Extras!



Seriously, my unused list is:


1.  Sears ($3000)

2.  Home Depot ($2000)

3.  Lowe's ($10,000)

4. Walmart Disco ($6000)

5. RBFCU ($2000)


I think all my other cards that i never use, like HSBC, have already been cancelled from inactivity.  Walmart Disco is nice for the FICO score, so its not totally useless.  I want to request an increase on my Sears, Home Depot, and RBFCU cards, but every one of them would require a hard pull.  And their limits are too damn small now, would put me way over on util.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!

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Established Contributor
Posts: 554
Registered: ‎09-28-2012
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Re: Cards that are no longer useful - to keep or close?

[ Edited ]

1. Walmart ($4500)

2.Sam Club ($8500)

3. Mens Warehouse(5000)

4. USAA.($16,000)

5. USAA ($3,000)

6. US Bank ($3000)

7.Paypal ($5000)

This is a question I been asking myself for last few months. I really have no need for them and at this point I have more then enough credit then I need or will ever use. I think its one of the reason I am not very active on these forums anymore Smiley Sad.  Only thing I can to creditwise is let time fly by to raise my AAOA and apply for an amex or two down road to boost my aaoa. My usage is never above 10% and closing these cards would have no effect. 

TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!

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