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@Anonymous wrote:
Hey All,
Planning to app for discover beginning next year. I closed my only credit card and added 5 new cards this year.
Here is what I currently have:
Credit union -5k
Chase freedom -2500
Chase freedom unlimited -4k
Boa cash rewards -6700
Nfl extra- $750
So, I don't really use it. I wanted it for the extra 20% off nfl shop. At Christmas, I can see use of it, but I guess I'm not using like I thought I would, and the limit is pretty low. I just put netflix on it now. So I don't see any clis coming. Not worth the hard pull at this point either. I got the card in feb. I've read that it shouldn't affect my credit to close. I've also read that discover sometimes starts with low limits. Is this low limit affecting my potential cli's and sl's? Is it time to let it go? I made the wrong decision I think, when I went for it. Would it be good just to hang onto it longer, or cut it before apping for discover in jan?
Barclays is pretty good about 6 month auto CLI's so if you like the card you might want to consider hanging on to it.
I've never gotten an auto CLI on either of my Barclays cards. I was able to do the APR/CLI deal on my Sallie Mae. The rewards on the NFL card are blah, but I do love the 1% fee 0% APR checks.