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I wanna close my Orchard card! good or not?

Regular Contributor

I wanna close my Orchard card! good or not?

it's a secured card that i've had since 11/07 it didn't even start reporting until jan of 08. I figure what harm can it do to close, i already paid the AF as soon as I got it. Plus I could put that $300 towards paying on other cc bills. Plus i haven't used it since jan. pif in feb and it's been in the sock drawer

Message Edited by kiyahsmom on 05-18-2008 10:08 PM
Message 1 of 8
7 REPLIES
Valued Member

Re: I wanna close my Orchard card! good or not?

Are you rebuilding your credit? I'd say keep it for a year. When the AF comes around, ask them to waive it, if they don't, leave. App for another card before you leave tho. AF's are wasted money.
On 3/28/08 TU705 Ex709 Eq651
Message 2 of 8
Regular Contributor

Re: I wanna close my Orchard card! good or not?

what is an AF? new here!!
Message 3 of 8
Established Contributor

Re: I wanna close my Orchard card! good or not?



keithc wrote:
what is an AF? new here!!



 
American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Message 4 of 8
Regular Contributor

Re: I wanna close my Orchard card! good or not?

annual fee
Message 5 of 8
Regular Contributor

Re: I wanna close my Orchard card! good or not?

thanks!! kiyahsmom!!!
Message 6 of 8
Senior Contributor

Re: I wanna close my Orchard card! good or not?

If you're not part of the BOA family, you could always put the $300 towards a BOA secured card also. They will actually grow with you.
Here we go again...
Message 7 of 8
Epic Contributor

Re: I wanna close my Orchard card! good or not?

I trashed mine for a National City secured... just waiting for orchard to send my deposit back (2 months!!!)
 
NC will grow with me a hell of a lot more than orchard!
Message 8 of 8