Credit Cards

[labsxtwo]

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LS2982 wrote:

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ctb89 wrote:
Why close a no AF card? Why not just SD it?

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Thats how I always feel.

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+1

I mainly use my Walmart card for my toddler (pull-ups, wipes, etc). Plus, it's easy to keep track of his expenses and then PIF when I get the monthly child support check.

[FrugalRican]

A no AF card that gives you your TU, and you close it because you felt slighted because of no CLI?

What's done is done, but in the future, I'd value a card that gave me my credit score a lot higher, despite of a lack of CLI's.

[learnin113]

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amercnchopz34 wrote:
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......875 CL......but just got approved for a CU visa rewards card....2500cl...

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I'm gonna venture to say this was a rash move, not a smart one.

[Open123]

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FrugalRican wrote:

A no AF card that gives you your TU, and you close it because you felt slighted because of no CLI?

What's done is done, but in the future, I'd value a card that gave me my credit score a lot higher, despite of a lack of CLI's.

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Right, if there's ever a reason to keep a no fee card with a low CL that you'd never use, it would be this.

[boonelb]

Thats how I feel about my emblem card.  only 175 CL but why close it. its my oldest card also at 6 months

[LS2982]

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learnin113 wrote:

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amercnchopz34 wrote:
Hey guys...have not had an increase in over a year.......closed it down.....only 1.5 years old...hope is does not affect my score that much......just never used it......I know getting my TU is a plus but. Just Dont use it and GE has not been kind to me.......875 CL......but just got approved for a CU visa rewards card....2500cl...

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I'm gonna venture to say this was a rash move, not a smart one.

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+1

I would see if they can reopen it.

[pizzadude]

Well at least the OP can still get their TU FICO score ~ apparently even after you close your wally card if you log in you'll still see the score.

[beamMEup]

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pizzadude wrote:

Well at least the OP can still get their TU FICO score ~ apparently even after you close your wally card if you log in you'll still see the score.

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Yep - my cards' been closed for a year or so and I pull my TU FICO score.

OP - I think you'll be fine closing the card.  When I closed my Walmart card, there just wasn't a FICO impact.  Of course YMMV.

When I took DH off as AU on a different store card (Macy's) his score actually went up (it had gone down when I added him - both score changes occured the same day as the AU reported on and off).  No impact on his AAofA - so - who knows?  

[CS800]

GE is normally good at CLI but no AF so thats a plus and the TU08.

I think you still get your TU08 if the account is closed? I thought i read this somewhere