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Chopping block for 2013

Frequent Contributor

Re: Chopping block for 2013

Did Orchard kick and scream when you canned them?

Ch7 Discharge: 5/14/2016 | 8/15/2016 scores: EQ 631 | TU 624 | EX 641
Frequent Contributor

Re: Chopping block for 2013

I am looking to axe barclays and chase if they don't pony up a decent cli this spring. Other than that all is good!

 

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Established Contributor

Re: Chopping block for 2013

i Wouldnt say screamed but they where persistent that I keep my account, no thank you moved on to prime cards now.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Valued Contributor

Re: Chopping block for 2013

The chopping block for 2013...hmmm

 

Capital One --- b/c their customer service just bothers the crap out of me.
Macy's --- I don't even shop there anymore and the limit is bad. I'd do better with a JCP card.

Amazon --- I haven't used this card on a official capacity but I might keep it open for when I buy my new desktop and take advantage of the 0% financing

US Bank Flex Perks -- Opened this card to get next to Cash+...if that doesn't work out...gonna get rid of this card.

 

 

As of 2017, rebuilding...
Valued Contributor

Re: Chopping block for 2013

for me:

 

Merrick Bank Visa-650 limit, annual fee, high APR, plus despite excellent payment history (PIF every month for last 8 months), instead of rewarding me with a CLI they sent me a letter warning me that if i opened anymore new accounts they may be forced to close my account with them.

 

Capital One MC-750 limit,annual fee, had over a year and i know i will never see a CLI in my lifetime with them.

 

Chevron/Texaco Gas card- 400 limit, just hasnt grown on me cuz they keep denying me a CLI and had it for 10 months.

gardening since 5/21/2016
Established Contributor

Re: Chopping block for 2013


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!Smiley LOL


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!




"having a credit card is nice, but having cash in hand will always be king"
Valued Contributor

Re: Chopping block for 2013

citizens bank cash back -1100

kohls - 300

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor

Re: Chopping block for 2013

I've already axed a bunch of cards..Any that were under 5K, I closed out..As I have many over 10K..I don't mind paying member ship fees as long as I can max out the rewards

Valued Contributor

Re: Chopping block for 2013


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. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: Chopping block for 2013


creditnocash wrote:

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. 

 


ill try for a cli on citizens bank cc, if not then its bye bye

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)