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Established Contributor
UFGuy2006
Posts: 596
Registered: ‎08-02-2008

Considering Closing a CITI Card that Does not Report?

So I have a Citi Dividend card opened back in 2004 that does not report. Has not reported for the last 2 years now... and is my oldest Citi card. Thinking about closing it... thoughts? I have 4 other Citi cards and other "category" cards... just one less card to manage.

FICO: EX: 756 (5/13); TU: 776 (5/13)
In My Wallet::
Amex Costco | Amex BCP | Amex PRG | Amex SPG | Barclays Priceline VS | Barclays US Airways WMC | BOA CR VS | CapOne CR WMC | Chase Freedom VS | Chase MP Club VS | Chase Marriott Prem VS | Chase Sapphire Pref WMC | Citi AA Amex | Citi Forward VS | Citi TY Prem VS | Discover IT | PF Platinum Rewards Visa | PF Travel Rewards Amex | PSECU Visa/PSL | US Bank Cash + VS
Valued Contributor
tcbofade
Posts: 1,061
Registered: ‎09-26-2011

Re: Considering Closing a CITI Card that Does not Report?

If it doesn't report, I think that you should send it to MY house.  :smileyhappy:



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011

Re: Considering Closing a CITI Card that Does not Report?

This may be frowned upon here, but I would love to have a prime card, high limit that does not report.  That would be my main card, while I keep all others at zero.  Heehee.

Valued Contributor
tcbofade
Posts: 1,061
Registered: ‎09-26-2011

Re: Considering Closing a CITI Card that Does not Report?


learnin113 wrote:

This may be frowned upon here, but I would love to have a prime card, high limit that does not report.  That would be my main card, while I keep all others at zero.  Heehee.


I am SOOOOOOOOO with you on that one... 

 



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

Established Contributor
UFGuy2006
Posts: 596
Registered: ‎08-02-2008

Re: Considering Closing a CITI Card that Does not Report?


tcbofade wrote:

learnin113 wrote:

This may be frowned upon here, but I would love to have a prime card, high limit that does not report.  That would be my main card, while I keep all others at zero.  Heehee.


I am SOOOOOOOOO with you on that one... 

 


Fair enough. The problem is that I have quite a few cards that I have to cycle out month to month (to show use) so that they don't stay inactive for too long. The only thing I can't stomach losing is a 15k CL associated with this Dividend card.

FICO: EX: 756 (5/13); TU: 776 (5/13)
In My Wallet::
Amex Costco | Amex BCP | Amex PRG | Amex SPG | Barclays Priceline VS | Barclays US Airways WMC | BOA CR VS | CapOne CR WMC | Chase Freedom VS | Chase MP Club VS | Chase Marriott Prem VS | Chase Sapphire Pref WMC | Citi AA Amex | Citi Forward VS | Citi TY Prem VS | Discover IT | PF Platinum Rewards Visa | PF Travel Rewards Amex | PSECU Visa/PSL | US Bank Cash + VS
Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: Considering Closing a CITI Card that Does not Report?

There's no way id close that card, unless it has an AF that is. I don't believe that particular card does though


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
CruzImperial
Posts: 860
Registered: ‎07-04-2012

Re: Considering Closing a CITI Card that Does not Report?


UFGuy2006 wrote:

So I have a Citi Dividend card opened back in 2004 that does not report. Has not reported for the last 2 years now... and is my oldest Citi card. Thinking about closing it... thoughts? I have 4 other Citi cards and other "category" cards... just one less card to manage.


That sounds like the perfect card for me :smileyvery-happy: I´m jelaous now XD

 

Fico Scores: . Walmart TU 724 . App free since Aug 2012 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
Valued Contributor
android01
Posts: 1,110
Registered: ‎09-22-2009

Re: Considering Closing a CITI Card that Does not Report?


tcbofade wrote:

If it doesn't report, I think that you should send it to MY house.  :smileyhappy:


J.P. Morgan Select does not report.  I LOVE the hidden trade line.  If I ever have to carry a balance, that's the card I'd use. :smileyhappy:

 

EQ FICO - Beacon 5.0 - 817- 5/4/13
TU FICO - TU98 - 803- 5/4/13
TU FICO - TU08 - 845 - 5/13/13
EX FICO - Fair Isaac v2 - 839 - 5/11/13
Valued Contributor
tcbofade
Posts: 1,061
Registered: ‎09-26-2011

Re: Considering Closing a CITI Card that Does not Report?


android01 wrote:

tcbofade wrote:

If it doesn't report, I think that you should send it to MY house.  :smileyhappy:


J.P. Morgan Select does not report.  I LOVE the hidden trade line.  If I ever have to carry a balance, that's the card I'd use. :smileyhappy:

 


I don't think that I'd qualify for JPMorgan Select...and whogavemecredit is down at the moment...

 



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

Established Member
nws2002
Posts: 19
Registered: ‎07-23-2009

Re: Considering Closing a CITI Card that Does not Report?

Why doesn't it report?  I bet they would be able to figure that out real quick if you stopped making payments.


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