NFCU FAN CLUB FAN#1
bs6054 wrote:
L-TWT wrote:I contemplated giving my AmEx BCP the boot in 2013, B/C i hate paying an AF for a CC, even if I tend to re-cap the AF with rewards gained. Although, BCP is my oldest trade-line I was not concerned about a nose dive in my credit score, what goes down will come back up & vice versa. So I called AmEx spoke with a front line CSR about closing acct, transferred to retention dept., and they lowered my APR down from 10.24% to 8.24% and lowered my AF from $75 to $25, so i folded!
Wow, I didn't know they would be flexible with the AF on BCP. Would try it now except it is useful (and, via backdating, my oldest TL going back to 1987) and don't want them to call my bluff and close....
AmEx can be VERY flexible, only thing I have yet to see AmEx allow is PC'ing a revolver <----> charge card. But your right, If you are not actually planning on cancelling the card I would not call their bluff, B/C in my opinion I think their BCP is their best product offering. I just came to the conclusion that from this year forward I refuse to pay for anything thats not necessary and TRY not to live above my means but below!
jsickz32 wrote:citizens bank cash back -1100
kohls - 300
out of all that just those? lol
im the same.
plan on closing
citizen's bank-500
citizen's bank-2k(might keep this one for a backup)
kohls-400
ae-700(unless my next cli goes above 2500 like walmart)
since ALL my card's are no af expect the zync i have no real reason to close any except for convenience.
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