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Closingracer99
Valued Contributor

Closing cards?

These are the cards that I have:

 

Amex BCE: $9,000 Opened Nov 2013

Amex Everyday: $12,000 Backdated to June 2013

Amex Hilton: $2,000 Opened Feb 2016

American Eagle store: $750 Opened July 2015

Amazon Store: $5,000 Opened Aug 2013

BBVA NBA: $17,000 Opened Feb 2016

BoA MLB Rewards: $17,000 Opened Aug 2014

Bestbuy Store card: $2,000 Opened June-Aug 2014

Barclay's NFL extra points: $3,000 Opened October 2014

Capital one GM: $2,000 Opened I forgot when TBH but either July 2014 or 2015

Capital one Playstation: $3,000 Opened Sept 2014

Chase Amazon: $1,000 Opened Feb 2014

Chase Freedom: $9,000 Opened June 2014

Chase sapphire: $5,000 Opened July 2014; Carrying $1,300 with 0% APR

Chase Slate: $5,000 Opened Dec 2014

Chase Disney: $4,000 Opened July 2015

Citi Simplicity: $3,000 Opened June 2014 - closed Today for the Citi Hilton

Citi AA plat: $5,500 Opened Feb 2016

Citi Double Cash: $5,400 Opened May 2015

Citi Thank you preferred: $8,800 Opened June 2014

Citi Hilton: $6,500 Opened Feb 2016

Ebay Mastercard: $5,000 Feb 2016

Gamestop: $1,150 Opened July 2015

Macy's: $500

 

 

 

 

I am thinking of closing the Macy's card, and the Chase Amazon and moving the limit to one of my cards. Any others should I close? I am going to keep the Amazon, Bestbuy and American Eagle cards because I shop there a lot


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 1 of 10
9 REPLIES 9
CH-7-Mission-Accomplished
Valued Contributor

Re: Closing cards?


\

@Closingracer99 wrote:

These are the cards that I have:

 

Amex BCE: $9,000 Opened Nov 2013

Amex Everyday: $12,000 Backdated to June 2013

Amex Hilton: $2,000 Opened Feb 2016

American Eagle store: $750 Opened July 2015

Amazon Store: $5,000 Opened Aug 2013

BBVA NBA: $17,000 Opened Feb 2016

BoA MLB Rewards: $17,000 Opened Aug 2014

Bestbuy Store card: $2,000 Opened June-Aug 2014

Barclay's NFL extra points: $3,000 Opened October 2014

Capital one GM: $2,000 Opened I forgot when TBH but either July 2014 or 2015

Capital one Playstation: $3,000 Opened Sept 2014

Chase Amazon: $1,000 Opened Feb 2014

Chase Freedom: $9,000 Opened June 2014

Chase sapphire: $5,000 Opened July 2014; Carrying $1,300 with 0% APR

Chase Slate: $5,000 Opened Dec 2014

Chase Disney: $4,000 Opened July 2015

Citi Simplicity: $3,000 Opened June 2014 - closed Today for the Citi Hilton

Citi AA plat: $5,500 Opened Feb 2016

Citi Double Cash: $5,400 Opened May 2015

Citi Thank you preferred: $8,800 Opened June 2014

Citi Hilton: $6,500 Opened Feb 2016

Ebay Mastercard: $5,000 Feb 2016

Gamestop: $1,150 Opened July 2015

Macy's: $500

 

 

 

 

I am thinking of closing the Macy's card, and the Chase Amazon and moving the limit to one of my cards. Any others should I close? I am going to keep the Amazon, Bestbuy and American Eagle cards because I shop there a lot


I would close GM, Playstation, ebay, Gamestop.  I would close Freedom and move the limit to another card.
Do you use all those Citi cards?  I would combine down to two cards whose rewards I want.
Message 2 of 10
Closingracer99
Valued Contributor

Re: Closing cards?


@CH-7-Mission-Accomplished wrote:

\

@Closingracer99 wrote:

These are the cards that I have:

 

Amex BCE: $9,000 Opened Nov 2013

Amex Everyday: $12,000 Backdated to June 2013

Amex Hilton: $2,000 Opened Feb 2016

American Eagle store: $750 Opened July 2015

Amazon Store: $5,000 Opened Aug 2013

BBVA NBA: $17,000 Opened Feb 2016

BoA MLB Rewards: $17,000 Opened Aug 2014

Bestbuy Store card: $2,000 Opened June-Aug 2014

Barclay's NFL extra points: $3,000 Opened October 2014

Capital one GM: $2,000 Opened I forgot when TBH but either July 2014 or 2015

Capital one Playstation: $3,000 Opened Sept 2014

Chase Amazon: $1,000 Opened Feb 2014

Chase Freedom: $9,000 Opened June 2014

Chase sapphire: $5,000 Opened July 2014; Carrying $1,300 with 0% APR

Chase Slate: $5,000 Opened Dec 2014

Chase Disney: $4,000 Opened July 2015

Citi Simplicity: $3,000 Opened June 2014 - closed Today for the Citi Hilton

Citi AA plat: $5,500 Opened Feb 2016

Citi Double Cash: $5,400 Opened May 2015

Citi Thank you preferred: $8,800 Opened June 2014

Citi Hilton: $6,500 Opened Feb 2016

Ebay Mastercard: $5,000 Feb 2016

Gamestop: $1,150 Opened July 2015

Macy's: $500

 

 

 

 

I am thinking of closing the Macy's card, and the Chase Amazon and moving the limit to one of my cards. Any others should I close? I am going to keep the Amazon, Bestbuy and American Eagle cards because I shop there a lot


I would close GM, Playstation, ebay, Gamestop.  I would close Freedom and move the limit to another card.
Do you use all those Citi cards?  I would combine down to two cards whose rewards I want.

Oh I forgot I also use the Playstation card for my PSN purchases which basically makes it worth it alone. Gamestop I will after thinking. As far as the GM card goes I like that its a WEMC.  Freedom I wouldn't close since I actually prefer it over Discover but not going to close Discover because its my oldest card.  Ebay I probably should of never opened but it is brand new so i probably will in a few months.

 

 

Yes I use all those Citi cards with the exception of the Simplciity which I have closed.


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 3 of 10
Anonymous
Not applicable

Re: Closing cards?

Are you considering "machete" solutions? Or just "scalpel" ones?

 

I'd close a lot more than just two cards in your situation, but don't want to waste time going into details if you do plan to keep the vast majority of them.

 

Message 4 of 10
CH-7-Mission-Accomplished
Valued Contributor

Re: Closing cards?


@Closingracer99 wrote:

@CH-7-Mission-Accomplished wrote:

\

@Closingracer99 wrote:

These are the cards that I have:

 

Amex BCE: $9,000 Opened Nov 2013

Amex Everyday: $12,000 Backdated to June 2013

Amex Hilton: $2,000 Opened Feb 2016

American Eagle store: $750 Opened July 2015

Amazon Store: $5,000 Opened Aug 2013

BBVA NBA: $17,000 Opened Feb 2016

BoA MLB Rewards: $17,000 Opened Aug 2014

Bestbuy Store card: $2,000 Opened June-Aug 2014

Barclay's NFL extra points: $3,000 Opened October 2014

Capital one GM: $2,000 Opened I forgot when TBH but either July 2014 or 2015

Capital one Playstation: $3,000 Opened Sept 2014

Chase Amazon: $1,000 Opened Feb 2014

Chase Freedom: $9,000 Opened June 2014

Chase sapphire: $5,000 Opened July 2014; Carrying $1,300 with 0% APR

Chase Slate: $5,000 Opened Dec 2014

Chase Disney: $4,000 Opened July 2015

Citi Simplicity: $3,000 Opened June 2014 - closed Today for the Citi Hilton

Citi AA plat: $5,500 Opened Feb 2016

Citi Double Cash: $5,400 Opened May 2015

Citi Thank you preferred: $8,800 Opened June 2014

Citi Hilton: $6,500 Opened Feb 2016

Ebay Mastercard: $5,000 Feb 2016

Gamestop: $1,150 Opened July 2015

Macy's: $500

 

 

 

 

I am thinking of closing the Macy's card, and the Chase Amazon and moving the limit to one of my cards. Any others should I close? I am going to keep the Amazon, Bestbuy and American Eagle cards because I shop there a lot


I would close GM, Playstation, ebay, Gamestop.  I would close Freedom and move the limit to another card.
Do you use all those Citi cards?  I would combine down to two cards whose rewards I want.

Oh I forgot I also use the Playstation card for my PSN purchases which basically makes it worth it alone. Gamestop I will after thinking. As far as the GM card goes I like that its a WEMC.  Freedom I wouldn't close since I actually prefer it over Discover but not going to close Discover because its my oldest card.  Ebay I probably should of never opened but it is brand new so i probably will in a few months.

 

 

Yes I use all those Citi cards with the exception of the Simplciity which I have closed.


Well that answers that!  Sounds like you don't want to close any of your cards ... but you asked!

Message 5 of 10
Closingracer99
Valued Contributor

Re: Closing cards?


@Anonymous wrote:

Are you considering "machete" solutions? Or just "scalpel" ones?

 

I'd close a lot more than just two cards in your situation, but don't want to waste time going into details if you do plan to keep the vast majority of them.

 


I am more interested in triming it down one to fours cards closed


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 6 of 10
Closingracer99
Valued Contributor

Re: Closing cards?


@CH-7-Mission-Accomplished wrote:

@Closingracer99 wrote:

@CH-7-Mission-Accomplished wrote:

\

@Closingracer99 wrote:

These are the cards that I have:

 

Amex BCE: $9,000 Opened Nov 2013

Amex Everyday: $12,000 Backdated to June 2013

Amex Hilton: $2,000 Opened Feb 2016

American Eagle store: $750 Opened July 2015

Amazon Store: $5,000 Opened Aug 2013

BBVA NBA: $17,000 Opened Feb 2016

BoA MLB Rewards: $17,000 Opened Aug 2014

Bestbuy Store card: $2,000 Opened June-Aug 2014

Barclay's NFL extra points: $3,000 Opened October 2014

Capital one GM: $2,000 Opened I forgot when TBH but either July 2014 or 2015

Capital one Playstation: $3,000 Opened Sept 2014

Chase Amazon: $1,000 Opened Feb 2014

Chase Freedom: $9,000 Opened June 2014

Chase sapphire: $5,000 Opened July 2014; Carrying $1,300 with 0% APR

Chase Slate: $5,000 Opened Dec 2014

Chase Disney: $4,000 Opened July 2015

Citi Simplicity: $3,000 Opened June 2014 - closed Today for the Citi Hilton

Citi AA plat: $5,500 Opened Feb 2016

Citi Double Cash: $5,400 Opened May 2015

Citi Thank you preferred: $8,800 Opened June 2014

Citi Hilton: $6,500 Opened Feb 2016

Ebay Mastercard: $5,000 Feb 2016

Gamestop: $1,150 Opened July 2015

Macy's: $500

 

 

 

 

I am thinking of closing the Macy's card, and the Chase Amazon and moving the limit to one of my cards. Any others should I close? I am going to keep the Amazon, Bestbuy and American Eagle cards because I shop there a lot


I would close GM, Playstation, ebay, Gamestop.  I would close Freedom and move the limit to another card.
Do you use all those Citi cards?  I would combine down to two cards whose rewards I want.

Oh I forgot I also use the Playstation card for my PSN purchases which basically makes it worth it alone. Gamestop I will after thinking. As far as the GM card goes I like that its a WEMC.  Freedom I wouldn't close since I actually prefer it over Discover but not going to close Discover because its my oldest card.  Ebay I probably should of never opened but it is brand new so i probably will in a few months.

 

 

Yes I use all those Citi cards with the exception of the Simplciity which I have closed.


Well that answers that!  Sounds like you don't want to close any of your cards ... but you asked!


Well I do agree with closing the Ebay card....jsut that it is brand new and rather not open one to just close a few weeks later. As far as the gamestop one I havent really used it so I probably will. The list of cards I am probably going to close:

Gamestop

Macy's

Chase amazon visa.

Ebay down the road.

 

 

Bestbuy one I honestly don't know. I shop there a lot and don't even bother using the card often. I do use it at times because I get 5% in rewards and I am an elite member.


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 7 of 10
Anonymous
Not applicable

Re: Closing cards?


@Closingracer99 wrote:

@Anonymous wrote:

Are you considering "machete" solutions? Or just "scalpel" ones?

 

I'd close a lot more than just two cards in your situation, but don't want to waste time going into details if you do plan to keep the vast majority of them.

 


I am more interested in triming it down one to fours cards closed


Do you plan on getting a AF card that will make your URs and/or TYs transferrable?

Message 8 of 10
Closingracer99
Valued Contributor

Re: Closing cards?


@Anonymous wrote:

@Closingracer99 wrote:

@Anonymous wrote:

Are you considering "machete" solutions? Or just "scalpel" ones?

 

I'd close a lot more than just two cards in your situation, but don't want to waste time going into details if you do plan to keep the vast majority of them.

 


I am more interested in triming it down one to fours cards closed


Do you plan on getting a AF card that will make your URs and/or TYs transferrable?


No but UR is a simple 1 point = 1 penny so its a simply CB card similar to the discover it. Honeslty might consider closing the Slate since it is now useless but I do like the FICO score it offers.

 

As far as the Thank you card goes I do usually just use the points build up and just use it on Amazon for purchases.  I know the point valuation sucks like that but I don't mind. I am putting most of my spending with my AA card and now my Citi Hilton card once that comes in the mail to make the bonus. Probaby Split my spending with my Citi AA, Amex Hilton along with my citi DC and I got the Citi Hilton to be my dedicated Costco card.

 

Here i willl lay it out:

 

General Spending: Amex Hilton, Citi AA and then rotating my citi DC, Citi Thank you and BoA MLB

 

Costco: Citi Hilton and Chase freedom

 

Car Rentals: Citi AA

 

Hotels: Amex Hilton  ( I generally like staying at hiltons or Marriott branded)

 

 

 

If I close the slate and say open another one in like 3-5 year I can get the 0% intro balance APR with $0 fee? or that only goes for point bonuses?


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 9 of 10
jeffery581
Established Contributor

Re: Closing cards?

My school of thought is if the card gives you benefits others do, close it.. I am closing all store cards. I just got caught up on the " congratulations you are approved" screen. I still need to close some of my store cards.

 

The cash back cards can not be beat IMO. Everything else is sub- prime with the exeption of 5% discount on lowes and home depot. Maybe some miles and hotel cards as well.

 

My good credit works for me, I do not work for it.

 

It was not always like this. But after a million hours logged into this site reading and asking questions my score went from low 500's to 745.

 

VERY NICE AND HELPFUL PEOPLE HERE.

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 10 of 10
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