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Just wanted to share some data points that the blue envelope is rearing its ghastly face again. I will include some specific info below, I probably had it coming not really to upset about other than a large utilization loss. I of course declined the full prostate exam and called to close all of my accounts earlier today, the CSR did not even care except for one who did not even question me when I told her why I was closing the response "I understand completely".
Lots of new accounts
Lots of Inquiries
Had the Amazon Card, Chevron Card, CareCredit, Lowe's, Ritani, and CheapOair visa.
interesting...
I have CareCredit, Marvel, and Amazon. If i get a blue envelope, there ALL gone!
I just don't want to hassle with it.
@Anonymous wrote:Just wanted to share some data points that the blue envelope is rearing its ghastly face again. I will include some specific info below, I probably had it coming not really to upset about other than a large utilization loss. I of course declined the full prostate exam and called to close all of my accounts earlier today, the CSR did not even care except for one who did not even question me when I told her why I was closing the response "I understand completely".
Lots of new accounts
Lots of Inquiries
Had the Amazon Card, Chevron Card, CareCredit, Lowe's, Ritani, and CheapOair visa.
So sorry to hear. If you don't ind me asking, how many new accounts and how many inq's...thanks!!
From what I can gather, they seem to exclusively target cardholders with multiple accounts.
@Falere wrote:From what I can gather, they seem to exclusively target cardholders with multiple accounts.
So does Comenity. This is why I am going to think long and hard before opening more than two or three accounts with either Synchrony or Comenity - not that they have that many cards I'm really that interested in anyway (Synch: Amazon [which I have], Walmart, Marvel Mastercard; Comenity: Overstock [which I got a preapproval offer for last night that I'm thinking about right now - see my thread elsewhere], Paypal Credit). There's a good deal of anecdotal evidence in Comenity's case that they go after people who've opened a lot of cards with the so-called Shopping Cart Trick, too.
thankfully, I was done with my major app spree days before all this started
5 Sync accounts
Sam's Club, 10000 balance by end of month 0
Walmart 10009 zero balance
Paypal 7500 balance by end of month less than 200
Lowes 10000 zero balance
Amazon 5900 balance by end of month 0
all at least 4 years old.. my goal these days is to get no more than 1-2 cards/HP every 6-7 months, anything more and my score takes too big of hit, the first HP has little or no impact on my score, my TU actually went up 2 points when I did a HP for a marcus loan, go figure probably just the results of improved UTL and AAoA.