The useless card thread

[juggalo9er]

Just wanted to start a thread for those cards that were apped for and then rendered useless after the fact.

I will start with my Lowe's card which as we all knows gives 5% off. Thats the reason i apped, i wanted an extra 5% off combined with my 10% veterans discount, they do not combine discounts....card is absolutely useless and will probaly be closed by issuer, however long they generally take to do that

[mongstradamus]

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@juggalo9er wrote:

Just wanted to start a thread for those cards that were apped for and then rendered useless after the fact.

I will start with my Lowe's card which as we all knows gives 5% off. Thats the reason i apped, i wanted an extra 5% off combined with my 10% veterans discount, they do not combine discounts....card is absolutely useless and will probaly be closed by issuer, however long they generally take to do that

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well my amex TE is kind of like that now. Gas will be trumped when i app for sallie mae in october, but using bcp for gas now till july when freedom takes over. Travel i am going to use CSP for all of travel stuff. I guess i use my Amex TE when i shop at costco but thats about it. 

[MoreRewards]

Unfortunately I have more than one

Chase Slate

Bankcard from small local bank

cap 1 platinum

Walmart ds 

citi diamond

[Shock]

Citi Diamond Preferred...but at the time, they gave me a CLI to 3k upon activation. They gave me a chance at my first non toy limit and arguably jump started my credit profile which was stuck at 500, 500, and 400 limits. Today, 10 months later, 54,500 in limts and I am blessed.

AMEX Green pretty useless now, but got me in the door for my AMEX BCE.

A few of my cards are useless..but they got me where I am today.

It's kind of like...being poor, and working your way up to wealth, and forgetting who helped you along the way. Kind of messed up haha

[Irisa]

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@juggalo9er wrote:

Just wanted to start a thread for those cards that were apped for and then rendered useless after the fact.

I will start with my Lowe's card which as we all knows gives 5% off. Thats the reason i apped, i wanted an extra 5% off combined with my 10% veterans discount, they do not combine discounts....card is absolutely useless and will probaly be closed by issuer, however long they generally take to do that

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For me it is Citi TYP. I have not used the card much since I got it last year, and TY points are pretty much useless to me. I'm still debating if I want to close it or SD it. 

[USF813]

Best Buy store card.

[notfancy]

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@MoreRewards wrote:

Unfortunately I have more than one

Chase Slate

Bankcard from small local bank

cap 1 platinum

Walmart ds 

citi diamond

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Chase slate, if you have another Chase account, move your limit to that account, so as to make the slate more useful to you.

Cap One- try the EO route to get an upgrade to a cash back card, and a CLI

[KneelBeforeZod]

Probably my old Fingerhut card. Admittedly, I buy something from their clearance rack every once in a while to keep things open and active. They were the first generous credit line that helped me work toward getting rebuilt from a 500 credit score so I'll be forever grateful for their generous CLIs. Just not a fan of the big markups but you can find awesome steals in clearance rack. I got a leather iPad case for $6.00 Couldn't touch one at the Apple Store for less than $75.

[azguy13]

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@Irisa wrote:

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@juggalo9er wrote:

Just wanted to start a thread for those cards that were apped for and then rendered useless after the fact.

I will start with my Lowe's card which as we all knows gives 5% off. Thats the reason i apped, i wanted an extra 5% off combined with my 10% veterans discount, they do not combine discounts....card is absolutely useless and will probaly be closed by issuer, however long they generally take to do that

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For me it is Citi TYP. I have not used the card much since I got it last year, and TY points are pretty much useless to me. I'm still debating if I want to close it or SD it. 

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I closed mine. completely worthless to me

[fot1]

My credit one and Fingerhut I just closed.. helped rebuild but about it..

My Walmart and Kays cards are now pretty much useless..

Kays is my only store card so I think it helps my credit mix and Wlamart gives free TU score..