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Earlier this year, I closed FP (had it since '08) - Best feeling ever.
Today, I closed CreditOne (also had it since '08) - Awesome feeling. They offered 3 months no AF, I said no ty, please close my account and give me Ref#.
I know that the account will continue to report for 10 years in good standing. I was never late on payment on both of the cards.
My question is how would the lender look at it? Since I closed 2 account this years.
Would my score drop a lot? My util should be lower since I just PIF Citi and Wal-Mart (waiting on Dec for statement update) and CreditOne CL was only 800. I'm at 15% util atm, will be 9% once statement update.
I have one more toy limit card that I would like to close. BBRZMC (since '08 $59AF), however, after talking to the Exec, they will give me CLI in March '13 since I got one less than 6 months ago from front line CSR for 500. The exec also credit my AF for the last 2 years. This is my OLDEST CC TL.
I want to apply for Amex BCE this coming January to get back dating to 2012. I opened the Green in Oct. It would be 3 months apart.... do able?
@armbenderc wrote:Earlier this year, I closed FP (had it since '08) - Best feeling ever.
Today, I closed CreditOne (also had it since '08) - Awesome feeling. They offered 3 months no AF, I said no ty, please close my account and give me Ref#.
I know that the account will continue to report for 10 years in good standing. I was never late on payment on both of the cards.
My question is how would the lender look at it? Since I closed 2 account this years.
Would my score drop a lot? My util should be lower since I just PIF Citi and Wal-Mart (waiting on Dec for statement update) and CreditOne CL was only 800. I'm at 15% util atm, will be 9% once statement update.
I have one more toy limit card that I would like to close. BBRZMC (since '08 $59AF), however, after talking to the Exec, they will give me CLI in March '13 since I got one less than 6 months ago from front line CSR for 500. The exec also credit my AF for the last 2 years. This is my OLDEST CC TL.
I want to apply for Amex BCE this coming January to get back dating to 2012. I opened the Green in Oct. It would be 3 months apart.... do able?
unfortunately amex hates seeing first premier but good luck regardless, but yes you did the right thing, I would send first premier and credit one a check for $20 each though,since they sometimes like to charge fees when the account closes, it's happened before. Rather have them send me a check back and end up with a unknown charge off. yes they are that bad
@distantarray wrote:
@armbenderc wrote:Earlier this year, I closed FP (had it since '08) - Best feeling ever.
Today, I closed CreditOne (also had it since '08) - Awesome feeling. They offered 3 months no AF, I said no ty, please close my account and give me Ref#.
I know that the account will continue to report for 10 years in good standing. I was never late on payment on both of the cards.
My question is how would the lender look at it? Since I closed 2 account this years.
Would my score drop a lot? My util should be lower since I just PIF Citi and Wal-Mart (waiting on Dec for statement update) and CreditOne CL was only 800. I'm at 15% util atm, will be 9% once statement update.
I have one more toy limit card that I would like to close. BBRZMC (since '08 $59AF), however, after talking to the Exec, they will give me CLI in March '13 since I got one less than 6 months ago from front line CSR for 500. The exec also credit my AF for the last 2 years. This is my OLDEST CC TL.
I want to apply for Amex BCE this coming January to get back dating to 2012. I opened the Green in Oct. It would be 3 months apart.... do able?
unfortunately amex hates seeing first premier but good luck regardless, but yes you did the right thing, I would send first premier and credit one a check for $20 each though,since they sometimes like to charge fees when the account closes, it's happened before. Rather have them send me a check back and end up with a unknown charge off. yes they are that bad
Yup, I got check from FP for $7 lol. I have been keeping an eye on them. As for creditOne, I will also keep an eye on it.
Right after I closed my FP, Amex gave me the Green.
Please let me know because I want to closed my Credit One soon too
@nicholasyud wrote:Please let me know because I want to closed my Credit One soon too
Sure enough, I checked today and some mysterious balance of around $2ish showed up on account.... Pushing payment now.. WTH?
Ha! too funny. I OVERPAID FP by $20 and have not heard anything back yet.
@obageegee wrote:Ha! too funny. I OVERPAID FP by $20 and have not heard anything back yet.
Took two statement to get refund from them. I was in the negative balance, meaning that they owe me money.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!