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Contributor
Posts: 255
Registered: ‎08-24-2011
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Re: Cards you've laid out to pasture (September 2012 edition)

After the real ugly rebulders, i.e. First Premiere, Credit One etc, Cap 1 is usually the next guy to go. For me its not really because it was bad card or bad customer service. The simple truth is that for most, they refuse to grow with you. Cap 1 could easily be a contender if they would just offer those they gave a chance to early on, a shot at prime cards or bigger limits as their credit improves.

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
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Re: Cards you've laid out to pasture (September 2012 edition)


CreditEd wrote:

Credit One. I'd tried to do the "threaten to close" thing, and they took my up on it...

 

Good thing. I canned it before I knew how bad the company actually was. Had no idea that they weren't gonna give me a CL no matter what I said.

 

Cap1 Platinum next


 I got a 100.00 increase. I started out with 200.00 in 09. I'll axe them eventually but it will bawhile. Never had any issues

 

Now CAP1, deuces. 


Starting Score: 601
Current Score: 670
Goal Score: 700


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NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
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Posts: 513
Registered: ‎01-27-2011
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Re: Cards you've laid out to pasture (September 2012 edition)

Threw my Orchard card in my trunk, went to my moms house and told her I hit a deer and needed to borrow a chefs knife cause the hoof was stuck in the grill. After she made me breakfast I drove upstate and stabbed that card dead, dug a 6 ft hole, and buried that piece of garbage.  Now I'm gonna go home and get my shine box.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Established Contributor
Posts: 932
Registered: ‎06-12-2012
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Re: Cards you've laid out to pasture (September 2012 edition)

^LOL

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
Posts: 1,186
Registered: ‎07-18-2009
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Re: Cards you've laid out to pasture (September 2012 edition)

All of 'em about 15 years ago. Just used a debit card for convenience. Big mistake. Lost all my credit history which was quite long. Didn't realize the importance of credit cards until I looked into why I was having a hard time using a debit card for car rentals and hotels.  Duh.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Frequent Contributor
Posts: 250
Registered: ‎08-19-2012
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Re: Cards you've laid out to pasture (September 2012 edition)


FicoTron wrote:

Threw my Orchard card in my trunk, went to my moms house and told her I hit a deer and needed to borrow a chefs knife cause the hoof was stuck in the grill. After she made me breakfast I drove upstate and stabbed that card dead, dug a 6 ft hole, and buried that piece of garbage.  Now I'm gonna go home and get my shine box.


Good fellas popped in my head, anyone else?:smileylol:

Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Cards you've laid out to pasture (September 2012 edition)

funny!


angelnyc wrote:

FicoTron wrote:

Threw my Orchard card in my trunk, went to my moms house and told her I hit a deer and needed to borrow a chefs knife cause the hoof was stuck in the grill. After she made me breakfast I drove upstate and stabbed that card dead, dug a 6 ft hole, and buried that piece of garbage.  Now I'm gonna go home and get my shine box.


Good fellas popped in my head, anyone else?:smileylol:


 

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Established Contributor
Posts: 1,048
Registered: ‎02-03-2009
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Re: Cards you've laid out to pasture (September 2012 edition)

I will be the oddball for the thread, I am cancelling my AMEX Gold Premier Rewards before the AF hits (2/13). I just don't use it enough to justify the $175.00 AF. I am thinking about cancelling it now, and taking the prorated AF to use towards the upgrade fee for the AMEX Hilton Honors Surpass. I have the regular HH card and use it frequently. Not really concerned about losing one AMEX, as I will still have HH and BCP. I am planning on apping for the Starwood card, probably in February.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 775; TU MyFico: 788; EX (My Fico): 764
Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
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Re: Cards you've laid out to pasture (September 2012 edition)

Axed Macy's on Monday, had the card since 2009 and only really used it only during holidays, the 15%, 20% coupons they would mail really didn't help me since it could only be used on certain purchases, the card outlived it usefulness, especially after they slashed my limit because of inactivity, that just made putting it on the chopping board that much easier :smileyhappy: Next up is CapOne $500 cl since 2009, no cli's...They may make it til the end of the week, depends on what mood I'm in...:smileyvery-happy:


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Cards you've laid out to pasture (September 2012 edition)

[ Edited ]

I thought Macy's gave you 15% off every time you used your card regardless of coupons.  I shop there alot and been thinking about having this as my sole store card.  But if it's not 15% everytime I make a purchase (and able to combine that with coupons) then I guess it's not worth it.


Update: I'm itching to axe Capital One, but like I said before, I'm waiting for a dispute to clear up.  I might give it a couple of months just to make sure my new cards from AMEX, Chase and Discover are up and running with 3 months of age before I chop it.

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
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