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Should I close Buckle - Comenity Card

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jologan79
Frequent Contributor
‎02-22-2015 12:04 PM
‎02-22-2015 12:04 PM

Should I close Buckle - Comenity Card

As you all can see from my signiture block I have several cards.

I only got the Buckle Card in Oct 2014 to help my D/C ratio and help in my gardening...

 

However, I really don't have any use for the card. I don't like shopping there and have only used it 2 times.

It was recently reported as dormant on my equifax report.

 

Since I was just approved for a Macy store card and Amex Delta Gold, would it be ok to close the Buckle Store Card.

 

I really appreciate your advice and suggestions.

 

 

 


NFCU Cashrewards $20,500 ~ NFCU LOC $15,000 ~ Chase Southwest $9,800 ~ Discover IT $500 ~ Hilton Honor Amex $1,000 ~ MILITARY STAR $6,900 ~ USAA Classic $500 ~ Macy's Store Card $3,200 ~ Mercury Visa $3,450 ~ Amazon Prime $2,200
Message 1 of 7
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Anonymous
Not applicable
‎02-22-2015 12:05 PM
‎02-22-2015 12:05 PM

Re: Should I close Buckle - Comenity Card

If you don't use it, yes.
Message 2 of 7
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chalupaman
Super Contributor
‎02-22-2015 12:05 PM
‎02-22-2015 12:05 PM

Re: Should I close Buckle - Comenity Card

The TL will stay on your report as a positive one whether your close it or not for up to 10 years so do whatever will work best personally for you.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 3 of 7
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Anonymous
Not applicable
‎02-22-2015 12:08 PM
‎02-22-2015 12:08 PM

Re: Should I close Buckle - Comenity Card

If you have doubts wether it will benefit you or not then just close it
Message 4 of 7
Anonymous
Not applicable
‎02-22-2015 12:11 PM
‎02-22-2015 12:11 PM

Re: Should I close Buckle - Comenity Card

@Anonymous wrote:
If you have doubts wether it will benefit you or not then just close it

+1

Message 5 of 7
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jologan79
Frequent Contributor
‎02-22-2015 12:19 PM
‎02-22-2015 12:19 PM

Re: Should I close Buckle - Comenity Card

Thanks all...

 

I move fast...Closed it...!!


NFCU Cashrewards $20,500 ~ NFCU LOC $15,000 ~ Chase Southwest $9,800 ~ Discover IT $500 ~ Hilton Honor Amex $1,000 ~ MILITARY STAR $6,900 ~ USAA Classic $500 ~ Macy's Store Card $3,200 ~ Mercury Visa $3,450 ~ Amazon Prime $2,200
Message 6 of 7
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B335is
Moderator Emeritus
‎02-22-2015 12:44 PM
‎02-22-2015 12:44 PM

Re: Should I close Buckle - Comenity Card

Congrats! I closed mine a couple years ago and never looked back.
Message 7 of 7
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