02-15-2011 04:12 PM
Born 12/2007 and 12/2008, respectively. Died February 15, 2011.
*Chokes back tears*
They led a good life now they are shredder fodder.
With 18 active TLs, and with a $200 CL on the Target and a $300 CL on the HSBC Discover, there wasn't much room for growth or advancement. They had to go. The HSBC Discover has a $59 annual fee and I paid it 2 too many times. I cancelled the Target because the $200 annoyed me. Or rather you guys' success annoyed me everytime you posted a CLI (though...congrats!).
I called HSBC Discover first. I asked the frontline CSR for a CLI. He said "no way" and then got transferred to the retention department. I again asked for a CLI and he said that there are no manual CLIs on any HSBC product. He then warned me that I would loose the points (I had 3,500, but I really don't care one bit) and that I would have to reapply at this point if I wanted the card again (he gave me the URL, No Thanks!!!).
Target came next. I got a frontline CSR and he said they don't initiate CLIs (we all knew that) and then transferred me to the retention department. That CSR tried to sweet talk me in telling me I would lose out on 5% savings (woohoo!...: / ) and that I shoul duse the card over and over and PIF each time to get that 5%. She told be the same with the CLI bit but then recalled a success story or two of CLIs after asking for CLIs despite the CSR saying "No". I almost balked, but held firm. She then offered a 10% coupon on my next purchase but I said "Nope". It was cancelled.
These were my two lowest CLs. My two newest TLs are $5,000 and $25,000 and $500 in combined lost CLs won't make much of an impact. Time to reorganize my short list. Thinking CapOne might be next.
02-15-2011 04:29 PM
So you finally got tired of the $200 Target Card !!!!.
It felt good to kill it off too! No more quarterly disappointments after reading everyone's CLI success stories!
02-15-2011 04:58 PM
I like the 5% discount at target
02-16-2011 07:10 AM
My Capital One is my oldest account at 9, and my Target is second oldest at 7.5, so I guess that I'll be hanging onto them for basically ever...or until they charge me an annual fee. Or perhaps until I hit 850. llecs, I'm surprised your Target didn't graduate - they surprised me after a relatively short period of time by upgrading me from my $200 Target card to a $1k Target Visa.
02-16-2011 10:30 AM
llecs, I'm surprised your Target didn't graduate - they surprised me after a relatively short period of time by upgrading me from my $200 Target card to a $1k Target Visa.
I tried everything. I carried a large balance. I carried no balance. I used it monthly and PIF over and over. I shelved it for months at a time. Never late. Always on time. Never OTL. I tried every scenario possible to no avail. DW on the other hand got a CLI to $500 after her first month. She maxed hers out on the first purchase and was declined. She removed some items and the following month she got a CLI. : /
I didn't need to close it since there was no AF, but I got tired of juggling so many accounts. It was funny, during the mortgage process in Dec/Jan, the lender saw our 35+ combined total active TLs and gasped. "Why?!" ...I tooked it to be a rhetorical question and smiled.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.