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JCP CL $1800 Never use the card an don't care for there stores anymore
Meijer CL$600 Never use the card an there are limited stores in my area
TJX rewards CL$300 backed by Chase had the card a year no CLI an if i ask it's a hard
In the next few years I'm going to be getting rid of allot of my store cards. They are the devil with the high APR's
Alright mjbfan79 no need to hang on to crap cards.
I haven't had a store charge card in over 30 years. For me, they always seem to be more trouble than they are worth. I just use my trusty old debit card when I shop at one of them, which isn't very often.
What's a debit card?
generally not a fan of closing no fee accts, if you app them, they may as well have some utility.
Nice work. I closed my GEMB JCPenney card when I found it was coded as a consumer finance account. It was a pretty nice CL for me, but I have never missed it!
mjbfan79,
I am in process of doing the same thing, I am especially aiming my sights on all GEMB accounts. Just yesterday I closed my American Eagle account (150.00 CL) because I was told at the 4 month mark, I was should be elgible for a CLI, tried at 4 months, no luck, need to see more payment histroy, try again when the account reaches 6 months, tried at 6 months no dice, not enough payment history, call back in 6 moths. So I told them to close my account because they have a "history" of not keeping thier word! Chevron and Wal-mart are next! I understand that I do not have a long credit file (oldest tradeline was opened in July of '08), but I have a perfect payment history and I almost always PIF every month. It felt so good to say those three little words "close my account"!
Does mjb stand for what I think it stands for?
@score_building wrote:generally not a fan of closing no fee accts, if you app them, they may as well have some utility.
I do understand what your saying but i have applied for to many cards in the last few years an need to cut some of them loose an i would rather them say closed my consumer then closed by granter. My a take a lil hit with my scores but that all will come back. I have learned a big lesson when it comes to store cards only apply for cards where you shop allot. I don't really have allot of time joggle like 20 CC.
@Anonymous wrote:
Does mjb stand for what I think it stands for?
What do you think it stands for?
mjbfan79 wrote: May take a lil hit with my scores but that all will come back.
Why are you anticipating a score hit? If you're carrying balances and it affects your utilization, you may see a hit. Otherwise, no.
I actually got a little bump