Should I close these cards?

[SLO805]

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

[longtimelurker]

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@SLO805 wrote:

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

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I would say close them, they clearly add nothing worthwhile to your util (with $30+L cards) and will stay on your account for several years anyway.

But there is the other camp of keeping anyting without an AF for ever.

[SLO805]

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@longtimelurker wrote:

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@SLO805 wrote:

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

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I would say close them, they clearly add nothing worthwhile to your util (with $30+L cards) and will stay on your account for several years anyway.

But there is the other camp of keeping anyting without an AF for ever.

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They arent my oldest cards either :-/

[LadyJEsq]

Here's a thread that might be of use in determining the answer to your question:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closing-Aged-Accounts-Yes-It-Is-Ok/m-p/15...

If I were you, given the other CCs that you have, I'd close any secured card, and any CC that you feel is of no use to you. So, to answer your question, based on your OP, I'd say yes, close all of them.

[iheartwings]

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@SLO805 wrote:

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

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Agree with closing things you aren't using. These cards will continue to add to your AAoA for the next 10 years, and given the relatively small CLs on these cards, you won't miss them if they're closed.

[SLO805]

thanks guys- how do i close them lol ?

[CreditUnionFan]

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@SLO805 wrote:

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

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The pair of cards wth the annual fees, and likely no grace period are an easy decision - once you have a major card elsewhere, the OpenSky and Merric make little sense to kep. If there is no monthly fee it might make sense to keep them only until the annual fees are due. 

Whether to keep Brylane Home or not is more of a question - but the first question would be how likely are you to make a purchase from them, "crap limit" or not? If you'll use it, then it's ok to keep it, and Comenity, in their own time, will eventually increase the limit. I had an Eddie Bauer card that was trapped at $100 for several years but thanks to the forums and time, that same card is up over $1500, more than adequate for my needs.

[Anonymous]

I'm only trying to keep accounts that offer deferred financing. I trimmed a lot of fat with that philosophy.

When your scores are in the dumps and you have baddies, you are not going to get 0% interest offers with the prime cards, and no offers on current cards too much, so no interest for 6 months or a year is lemonade out of lemons

[SLO805]

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@CreditUnionFan wrote:

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@SLO805 wrote:

Brylane Home crap limit and comenity doesnt seem to want to up it.

OpenSky secured (500$)

Merrick, i acceptd their offer right before i got a few big cards. annual fee is in about 7 months

I dont think ill EVER use brylane and opensky ive had for a few years and have got a few big limit visas/mc's since.

---

The pair of cards wth the annual fees, and likely no grace period are an easy decision - once you have a major card elsewhere, the OpenSky and Merric make little sense to kep. If there is no monthly fee it might make sense to keep them only until the annual fees are due. 

Whether to keep Brylane Home or not is more of a question - but the first question would be how likely are you to make a purchase from them, "crap limit" or not? If you'll use it, then it's ok to keep it, and Comenity, in their own time, will eventually increase the limit. I had an Eddie Bauer card that was trapped at $100 for several years but thanks to the forums and time, that same card is up over $1500, more than adequate for my needs.

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brylane is a home store etc i dont think the vendor stands out above and beyond amazon or any other place that sells bed bath and beyond items lol; i doubt id bother using them, ever

[Anonymous]

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@SLO805 wrote:

thanks guys- how do i close them lol ?

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Call the number on the back of the card, speak to customer service. It should be quick. There's a slight chance they would give you a CLI if you try to close.