10-17-2009 04:45 PM
I wouldn't close the card. It is possible that they could give you a CLI in the future. If they are playing chase the balance. let them play it and still continue to use and and PIF as soon as you can.
Back in my subprime days, my 300 CL sams card got me through some rough times.
10-18-2009 06:15 PM
I agree. My Sam's card was my first credit card after going into debt management. I took good care of it, mostly used it at Wally Mart for stuff I really needed. It graduated to the Discover card one year later that is now over 7K CL. All from my $400 Sam's club card.
10-25-2009 07:29 PM
10-26-2009 06:37 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.