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Now that i am in so called primeville( i think )......should i cut some cards loose?
only fee cards i have are cap one.....just got cli from 2000 to 5000.... Fee is only $19....
here is my current line up.....
im thinking of cutting these..
HSBC discover 1300 cl.....
chevron/ Texaco store card...1000cl
these are other cards..
Fairwinds CU 2500 cl
Alliant CU 5000 cl
Discover It 1000 cl
Cap One. Platinum 5000 cl
Best buy store card 1500 cl
Hhgregg store 4000 cl
Barclays NFL card. 5000 cl
Amex Delta Gold 5000 cl fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due
Amex Green NPSL
What do you guys think?
thanks
If your Cap One CL was less than $1000, i would drop that card but since it's not and has a decent CL of $5000 the $19 is a small price to pay. IMO just keep what you got.
capital one also has it's uses like it reports ALL AU's =)
I've often wondered this... can you call Cap One and ask them to change your current card to another card that doesn't charge an AF? Or is that not allowed?
@brother7 wrote:I've often wondered this... can you call Cap One and ask them to change your current card to another card that doesn't charge an AF? Or is that not allowed?
I'm doing that right now actually. Going from a NHR rebuilder to the Platinum Prestige with no AF
HSBC discover 1300 cl..... Yes
chevron/ Texaco store card...1000cl Yes
these are other cards..
Fairwinds CU 2500 cl Yes
Alliant CU 5000 cl Keep it
Discover It 1000 cl Keep it
Cap One. Platinum 5000 cl Yes
Best buy store card 1500 cl Yes
Hhgregg store 4000 cl Yes
Barclays NFL card. 5000 cl Keep it opened for a year before closing the card.
Amex Delta Gold 5000 cl fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due Keep it and PC into BCP
Amex Green NPSL Yes
@trumpet-205 wrote:HSBC discover 1300 cl..... Yes
chevron/ Texaco store card...1000cl Yes
these are other cards..
Fairwinds CU 2500 cl Yes
Alliant CU 5000 cl Keep it
Discover It 1000 cl Keep it
Cap One. Platinum 5000 cl Yes
Best buy store card 1500 cl Yes
Hhgregg store 4000 cl Yes
Barclays NFL card. 5000 cl Keep it opened for a year before closing the card.
Amex Delta Gold 5000 cl fee waived for 1st year....will pc this to BCP in a year. I hope......before fee is due Keep it and PC into BCP
Amex Green NPSL Yes
Wow...thats alot of cards to shut down....will this kill my score?
OP, if there's no fee, keep them.
@llecs wrote:OP, if there's no fee, keep them.
Im just wondering if creditors ie amex or ant new accounts down the oad may see some of these rebuilder cards and not extend me a CC?
also my salary is not that great....about 42000 per year....i dont know if these cards will limit any success i may have in the future....
none of the cards are your list are considered subprime cards, starters are fine, as long as they're not credit cards marketed for people with POOR credit like First Premier Bank