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clocktick
Posts: 1,604
Registered: ‎12-07-2008
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Re: Want to downsize the amount of cards have - please advise

[ Edited ]

LS2982 wrote:

clocktick wrote:

Citibank MC Diamond Preferred  10,000, 5/11 - I was told yesterday by a CSR that they do not combine limits on Citi cards anymore.  I wanted to move this into the Dividend below but now not sure SD / Run some reaccuring bills through
 
Citibank MC Dividend 9400, 11/11 - 3rd GT card, I like the categories even though they reveal them late.  I like the CL and the BT offers  Close / I think you have plenty of other better cards
I'm an AU on the following cards and would like to get out of them both:

 


 


Thanks.  Is there a reason you'd keep the Diamond Preferred (I do not use the Citi "cash") with an almost equal CL over the the Dividend (real cash!) with the 5% categories?

 

Thanks again!

 

Anyone else?

11/30/08 TU 648 EX 672 EQ 656 JUNE 2014 TU 779 EX 764 EQ 721
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Want to downsize the amount of cards have - please advise


clocktick wrote:

LS2982 wrote:

clocktick wrote:

Citibank MC Diamond Preferred  10,000, 5/11 - I was told yesterday by a CSR that they do not combine limits on Citi cards anymore.  I wanted to move this into the Dividend below but now not sure SD / Run some reaccuring bills through
 
Citibank MC Dividend 9400, 11/11 - 3rd GT card, I like the categories even though they reveal them late.  I like the CL and the BT offers  Close / I think you have plenty of other better cards
I'm an AU on the following cards and would like to get out of them both:

 


 


Thanks.  Is there a reason you'd keep the Diamond Preferred (I do not use the Citi "cash") with an almost equal CL over the the Dividend (real cash!) with the 5% categories?

 

Thanks again!

 

Anyone else?


 

 

After you explanation on it, IMO, I would keep both of them. No harm in keep them both, you've took the INQ's for the mand they are fairly new in your collection. Let them grow!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Want to downsize the amount of cards have - please advise

I wasn't able to redistribute the CL's on my Costco TrueEarnings and Blue Cash Preferred until both had been open for a year. I had read 6 months, but nope, didn't work for me.

 

I finally got exasperated and just increased the CL on the BCP. So weird that they'd let me do that, but they couldn't/ wouldn't take $5K from one card and tack it onto the other. :smileytongue:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Want to downsize the amount of cards have - please advise


haulingthescoreup wrote:

I wasn't able to redistribute the CL's on my Costco TrueEarnings and Blue Cash Preferred until both had been open for a year. I had read 6 months, but nope, didn't work for me.

 

I finally got exasperated and just increased the CL on the BCP. So weird that they'd let me do that, but they couldn't/ wouldn't take $5K from one card and tack it onto the other. :smileytongue:


That doesn't sound right, why not move some of the CL?? :smileyindifferent:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
clocktick
Posts: 1,604
Registered: ‎12-07-2008
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Re: Want to downsize the amount of cards have - please advise


haulingthescoreup wrote:

I wasn't able to redistribute the CL's on my Costco TrueEarnings and Blue Cash Preferred until both had been open for a year. I had read 6 months, but nope, didn't work for me.

 

I finally got exasperated and just increased the CL on the BCP. So weird that they'd let me do that, but they couldn't/ wouldn't take $5K from one card and tack it onto the other. :smileytongue:


I see there's an option on the Amex page to do so although I think I should attempt it in a couple more months (had a CLI on the BCP in December).  I never would've opened the Clear if I had known the BCP was about to be released a few months later!

11/30/08 TU 648 EX 672 EQ 656 JUNE 2014 TU 779 EX 764 EQ 721
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Want to downsize the amount of cards have - please advise


clocktick wrote:

haulingthescoreup wrote:

I wasn't able to redistribute the CL's on my Costco TrueEarnings and Blue Cash Preferred until both had been open for a year. I had read 6 months, but nope, didn't work for me.

 

I finally got exasperated and just increased the CL on the BCP. So weird that they'd let me do that, but they couldn't/ wouldn't take $5K from one card and tack it onto the other. :smileytongue:


I see there's an option on the Amex page to do so although I think I should attempt it in a couple more months (had a CLI on the BCP in December).  I never would've opened the Clear if I had known the BCP was about to be released a few months later!


And I never would have opened the TrueEarnings card (which had been a long-term goal.)

 

I tried both on the webpage and via phone, and each time, I got the letter saying nope.

 

Very strange...

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Wolf3
Posts: 3,198
Registered: ‎01-24-2010
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Re: Want to downsize the amount of cards have - please advise

You could start using your AU cards.   Pay your ex back after you get removed.


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