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Close and app? Close and don't app? Don't close?

Community Leader
Valued Contributor

Re: Close and app? Close and don't app? Don't close?


Creditaddict wrote:

Did USBank take those accounts or sell them to BofA? I can't remember... but either way I thought many had luck with product changing this after the move to whichever bank it was.


Hey FB! 

Product Change. JMHO. Smiley Happy


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Valued Contributor

Re: Close and app? Close and don't app? Don't close?

Talk to the right person. They will PC to Cash+.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor

Re: Close and app? Close and don't app? Don't close?

That's the problem. I already have the Cash +.  When I look at the site, the flexperks rewards seems to be the only other card worth shooting for.  I will try one more time to PC today. If I can't, I will use it for balance transfers.  I don't want to lose the history of the card.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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Valued Contributor

Re: Close and app? Close and don't app? Don't close?

In my opinion the flexperks sig is better than the cash plus. Go for that card if you are a pretty good spender. 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%