The useless card thread

[mongstradamus]

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@BearsAndTurtlesRtheBest wrote:

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@mongstradamus wrote:

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@BearsAndTurtlesRtheBest wrote:

For that I will be closing my Wells Fargo VISA and Sony VISA these two are useless for me also considering the fact of how difficult it is to obatin CLI.

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Wells fargo is good for cell phone insurance not much else :-)

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I dont have a cell phone 

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Ohh then its pretty useless to you :-). I was curious i looked on the wellsfargo reward site to see if its worth using it to buy anything on line. I didn't really see anything on there that would make me use it instead of using Chase UR or shopdiscover. 

[BearsAndTurtlesRtheBest]

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@mongstradamus wrote:

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@BearsAndTurtlesRtheBest wrote:

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@mongstradamus wrote:

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@BearsAndTurtlesRtheBest wrote:

For that I will be closing my Wells Fargo VISA and Sony VISA these two are useless for me also considering the fact of how difficult it is to obatin CLI.

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Wells fargo is good for cell phone insurance not much else :-)

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I dont have a cell phone 

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Ohh then its pretty useless to you :-). I was curious i looked on the wellsfargo reward site to see if its worth using it to buy anything on line. I didn't really see anything on there that would make me use it instead of using Chase UR or shopdiscover. 

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Yep going to meet the shredder or good once paid off same for Sony VISA

[bigblue7722]

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@wacdenney wrote:

I am a little surprised to see so many declaring the WalMart card to be "useless".  With no AF, I am glad to get a free monthly TU FICO score. 

I am also a little surprised about the Diamond Preffered.  It was a great BT card when I needed that and as soon as the intro APR runs out I will PC it probably to Dividend.  It has far from outlived its usefullness for me.

My most useless card is my Sportsman's Guide Visa (what was I thinking?!)

Followed in close second by the Crapital One QS1.  I refuse to start out $35 in the hole from the AF and try to make up for that at 1.5% and I refuse to continue to sing and dance for the EO. 

Both these cards are on their deathbeds barely hanging on for dear life!

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So many places give out free fico scores now both discover and barclaycard and they just started that within the past 6 months or so. So a rewards card that you can use anywhere with a free fico is going to beat out a store card with free fico. Even if you have the discover verison chances are you get better rewards from  discover it or barclaycard

[wacdenney]

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@fot1 wrote:

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@wacdenney wrote:

I am a little surprised to see so many declaring the WalMart card to be "useless".  With no AF, I am glad to get a free monthly TU FICO score. 

I am also a little surprised about the Diamond Preffered.  It was a great BT card when I needed that and as soon as the intro APR runs out I will PC it probably to Dividend.  It has far from outlived its usefullness for me.

My most useless card is my Sportsman's Guide Visa (what was I thinking?!)

Followed in close second by the Crapital One QS1.  I refuse to start out $35 in the hole from the AF and try to make up for that at 1.5% and I refuse to continue to sing and dance for the EO. 

Both these cards are on their deathbeds barely hanging on for dear life!

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But when you can get the score from Barclays or Discover on much better cards..It is easy then to SD the Walmart cards

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Actually, now that you mentioned it, I do get the exact same score on my Barclaycard account.  Point well taken!

[jd352]

The Zync card became useless for me after they phased out its MR points structure. I was left basically with a 1x on all purchases card. I app'd for the PRG to supplement the points earning potential and just recently cancelled the Zync account.

[dilettante]

Great title for thread to remind me to close these out ASAP.

1. Marriott Premier - have Ritz that I use for better benefits and Marriott/Ritz stays.

2. CSP - have Palladium for UR transfers and bonus 35k points.

3. JCrew - haven't used in quite some time.

4. Neiman Marcus - not shopping there as much as before so not getting rewards as often.

[xsvspd]

More than one...

Best Buy MC - $250 limit initially - never shop at BB (Always Amazon)

Cap 1 Platinum - Hopefully PC to Quicksilver in a couple months

BofA Visa - no rewards, was a great builder card

[dodgerslv]

I have a few:

Barclays Williams Sonoma (only apped to buy a set of dishes...LOL)

Dillards (very rarely shop there)

Citi TYPremier (has been nerfed so will close once i reach the 13th month which will be in August).

Marriott (have the Ritz and devaluation doesnt help)

[navajomyst2003]

Tried to PC my WF platinum ($7500 CL) to visa sig and bank said I would have to app for the new product - they don't do product changes.  Oh well, it was worth a try. Platinum is back in the SD.

[grinlikechelsea]

I don't think I have any useless cards at the moment, as I use them for different things. When Cap 1 was in my wallet, they won that distinction.