SHould I close FP card?

[Sitori]

Ha.
Great. Ill definitely check. Thanks for the heads up.

[starry1]

Close it!  I can't wait to close mine and tell them we are never ever ever getting back together.

[LS2982]

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@starry1 wrote:

Close it!  I can't wait to close mine and tell them we are never ever ever getting back together.

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[phillyguy12]

lol yea i remember them having me on the phone for what seemed like at least 10 mins trying to get me to keep it open, and i wasn't really sure they closed it either, i could still login to the site for a few days and it did show as 0 ava. give it a shot if you can.and my cr report did show as closed by consumer the month after i closed it.

[myjourney]

Close

shut down

retire

cut up

R.I.P.

[Sha80]

I had 2 CC companies tell me that closing my subprime cards prior to applying hurt me. Reason being they can't be used in their review if they are closed. I learned this the hard way. I didn't apply at NFCU though, but Citi & Discover.

[CashOnDelivery]

When I closed out my FP years ago, the CSR kept insisting I keep it. I straight out told them, "Your fees are too high and you keep nickle and diming me! So tell me what benefits do you offer that other companies don't?!" It quickly went to "We are sorry to lose you. The account will be closed after the current cycle ends.". I have never looked back since...

[enharu]

After you close it, call again and make sure it's really closed.

Keep a lookout for any mail as well to make sure you don't owe any residual finance fees and make sure again that the account is really closed.

[Sitori]

Sha80--wait what are you saying? You closed FP prior to applying for a discover card and having it closed ended up hurting you????

Omg if that happens when I go apply for NFCU and Care Credit I'm going to die

[Sha80]

Sitori that's exactly what I'm saying. When I reconned the analyst was saying she didn't have enough cards with a years worth of payment history to review & push the approval. I replied the FP had been open over 2 years & I never missed a payment. She told since the account was reporting closed she couldn't use it. Same thing for the Credit One which would have been a year this month. My other cards were mainly opened late last year like yours.