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Just got approved for Barclay's iTunes card

Established Contributor

Just got approved for Barclay's iTunes card

My credit is so much better then what I was. I just recently got a $500 CLI (without asking) on my Paypal credit line and also another increase on my Walmart card. I currently have an Orchard card at a lowley $400 CLI. Should I cancel and if I do, would it negatively effect my credit rating?


Starting Score: 454
Current Score: 690
Goal Score: 750


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9 REPLIES
Established Contributor

Re: Just got approved for Barclay's iTunes card

If there is an annual fee then I would personally recommend "yes" close the account.. if no annual fee keep it.

Regular Contributor

Re: Just got approved for Barclay's iTunes card

Closing could affect it if it reduces your overall avail credit. But seeing as how you just got a CLI that shouldn't be the case. If no AF then I'd leave it be and just have it avail.

Starting Score: EX: 500 FAKO -TU: 497- EQ: 529 12/9/2010
Current Score:
EX: 560 TU: 550-EQ: 569 5/14/15
Goal Score:
700 across the board


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Established Contributor

Re: Just got approved for Barclay's iTunes card

It's only a $400 limit with a $79 annual fee. I used to to rebuild, but now I have no use for it. I will also not affect my AAA


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Valued Contributor

Re: Just got approved for Barclay's iTunes card

Cancel it...no more AFs!!!

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Established Contributor

Re: Just got approved for Barclay's iTunes card

save your 79$

Established Contributor

Re: Just got approved for Barclay's iTunes card

Feed it to the shredder!!!!

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor

Re: Just got approved for Barclay's iTunes card

Thanks!! Im going to do that tomorrow. I appreciate all the feedback.


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Established Contributor

Re: Just got approved for Barclay's iTunes card

How are they with having multiple cards? I have one more rebuilder card id like to toss.


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emeritus

Re: Just got approved for Barclay's iTunes card

Hi break,

 

What other rebuilder card do you want to give the ole' heave-ho?

Just puttin' syrup on something, don't make it pancakes.