If you HAD to close a CC what would it be?

[CreditCuriosity]

Easy one of my 3 QS cards.

[Anonymous]

Hyatt, Slate, Aviator, Blue for Business, SimplyCash - all going bye bye Too many cards for me. Whats left will cover all my spending needs well enough. Except BCE...its hanging around bc I cant let go of the backdate year and the CL isn't too shabby. Maybe I'll have a PC option to something other than BCP which I have no use for not sure. Will see at the end of the year.

[Anonymous]

It would be FNBO.  I rarely use it.  Has a small 3k limit.  

[Anonymous]

All of my cards actually serve a purpose (some more than others), so I am not inclined to close any of them. But if I HAD to pick one to chop, it would be the WF Platinum Rewards Visa. It is a straight 1% cashback card. Yawn.

That said, it does serve two niche purposes: it has the lowest APR of all my cards (still pretty useless because I never carry a balance) and it is also my oldest open credit line. 

[kdm31091]

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@Anonymous wrote:

All of my cards actually serve a purpose (some more than others), so I am not inclined to close any of them. But if I HAD to pick one to chop, it would be the WF Platinum Rewards Visa. It is a straight 1% cashback card. Yawn.

That said, it does serve two niche purposes: it has the lowest APR of all my cards (still pretty useless because I never carry a balance) and it is also my oldest open credit line. 

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The oldest card thing is only kinda sorta important because as I'm sure you know it reports for 10 more years anyway even if closed

[kdm31091]

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@Anonymous wrote:

Hyatt, Slate, Aviator, Blue for Business, SimplyCash - all going bye bye Too many cards for me. Whats left will cover all my spending needs well enough. Except BCE...its hanging around bc I cant let go of the backdate year and the CL isn't too shabby. Maybe I'll have a PC option to something other than BCP which I have no use for not sure. Will see at the end of the year.

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Have the same problem with BCE..sigh!

Sounds like you're going to be doing a lot of consolidating!

[Anomalous]

My USAA secured card. Don't really need it, but I have to hold on to it because of the locked CD used to fund the CL. Once the term is up I'll cash it out to close the card and go for an unsecured card with them.

[NRB525]

The PenFed Secured card that I got as a consolation prize when not getting a real PenFed card. Used the same HP, and it's not a negative card, it's just as I look closer at PenFed compared to SDFCU and other cards, I'm not feeling the vibe for why PenFed (any card from PenFed) would be something I'd want to pursue.

Next up is the Fred Meyer card. They advertise it as 2 points (2%) at Fred Meyer stores, but 1 point of that you get anyway as a Fred Meyer Rewards customer. So it's a 1% card everywhere. Except at the Fred Meyer fuel pump. So when the 0% expires, I have to determine if this gets much use. We'll see if US Bank sends any BT offers.

[Anonymous]

Close Simplicity, Double Cash, BCP any time; PRG after January; could lower CL on Freedom once I pay off the BTs I put on it. None of that would really bother me lol. Wish I could move CL from any of these to my Marukai...

[Anonymous]

One of my two lowest credit line cards...