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What credit cards will you NOT carry?

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jmbfl
Valued Contributor

Re: What credit cards will you NOT carry?

Of the cards that I have:
 
I carry:
  PenFed
  Discover
  Macys
  All my debit/ATM cards (Wachovia, PenFed, EFFCU)
 
I do not carry:
  BofA AMEX (0% BT on card)
  WaMu Providian (SD'ed due to RJ)
  Direct Merchants Bank MC (SD'ed due to RJ)
Message 21 of 45
Anonymous
Not applicable

Re: What credit cards will you NOT carry?



jmbfl wrote:

No Providian account ever became a Chase account. Providian was bought in whole by WaMu.



I beg to differ with your statement above.  According to this article, in 2002, Providian sold $8.2 billion of its accounts to JPMorgan Chase:
 
 
And yes, my Providian Visa (which I had opened in 1998) was among those accounts.  I recall getting a letter from Chase saying my Providian Visa would become a Chase card soon, and that's what happened in 2002.  So yeah, Providian got swallowed up by WaMu, but not before selling some accounts to Chase years beforehand.
Message 22 of 45
jmbfl
Valued Contributor

Re: What credit cards will you NOT carry?

Lucky you! WaMu is almost as bad as Providian. In fact, WaMu IS Providian!
Message 23 of 45
Anonymous
Not applicable

Re: What credit cards will you NOT carry?

Well i don't really carry any of my cards on me cause it might temp me to wanna spend spend spend but i do try to keep one major credit card on me in case of a emergency.
Message 24 of 45
Anonymous
Not applicable

Re: What credit cards will you NOT carry?

I Won't Carry:

WAMU x 2: jacked my interest to 23.99% (no reason given) always PIF all cards.
Target Visa: Crappy limit

The above will be closed next year, along with Capital One, Mervyns & Hooters

Which leaves me with:
Chase
3 Amex (revolvers---but I know better) BC with CL $10K (for time being)
Citi- great rate 7.9% high cl
HSBC- good rate and decent Cl $5k
Store cards-Macy's & Walmart

Chase is always in my wallet, along with my debit card. I only take out Amex when i buy concert tickets, specific grocery stores, tuition or gas.
Message 25 of 45
score_building
Senior Contributor

Re: What credit cards will you NOT carry?

CreditDrama85, can you share why you like the ones you do?
 
never had and/or won't carry:
hsbc
wachovia
providian
a cfl card
 
cards i will continue to carry or obtain:
amex
boa
citi
discover
simmons first
nasa
mcu 
 
restricted use:
capital one
ge money bank
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 26 of 45
WhirledPeasPlease
Moderator Emeritus

Re: What credit cards will you NOT carry?

Carrying at the moment:
 
Juni-Barclays/Travelocity MC -- sees no action
Target Visa -- sees LOTS of action now that they CLI'd me to 7k (Love those coupons)
Discover More -- sees a bit of action, mostly auto-pay stuff
BofA Amex -- high util at the moment so it's dormant
DMB Discover -- sees action only so I can get to the next rewards tier before I close it
HSBC UPC MC -- sees no action/high limit emergency card
Chase Amazon Visa -- using it like crazy b/c of 90d intro bonus points
3 Store cards
 
Sock Drawer:
Amex DG (soon to be Options) -- CLD'd me
Cap 1 MC -- actually, this got misplaced during the move so I'm sure it's near a pair of socks somewhere
Macys -- I'm a bit grumpy about the denial for the Visa upgrade
 
 
Plan on never having:
WaMu
 
Great thread, btw.  You've reminded me I need to move a few cards to the SD as well as locate that Cap1 MC.  Smiley Happy
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 27 of 45
llecs
Moderator Emeritus

Re: What credit cards will you NOT carry?

I will NEVER carry or own a CapOne! WAMU just got added to the list too.
Message 28 of 45
niecey89
Frequent Contributor

Re: What credit cards will you NOT carry?

My cards are either in a box or my mother has them (she lives across town..so i know i will not use them)

- both cap1 cards
- Upromise Citibank
- Avenue
- Ikea
- Children's Place
- Walmart
- Orchard Bank
- Target (when I get the card)

All I carry is my Wachovia checkcard and my Paragon FCU ATM card.

By not carrying my cards I am less likely to shop (my job is directly across the street from the mall and 1 mile from a highway that has tons of strip malls.
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED Smiley Happy ~
Message 29 of 45
BBYGRL
Established Contributor

Re: What credit cards will you NOT carry?

Will not carry:
Capital One

Carry on occasion:
BofA Amex (Gas at Costco)
Citi Macy's Visa (for store discounts)

Carry:
Discover (0% apr through Dec '08)
Western Federal CU Visa
Chase (0% apr through Sept '09)

Closed: Orchard

Message Edited by BBYGRL on 09-21-2008 09:09 PM
10/08 - EX 795 / EQ 816 / TU 806
6/09 - EQ 763 / TU 770

Starting Score (2/2010): TU-767, EQ-745
Current Score (2/2010): TU-767, EQ-745
Goal Score (12/2010): TU-780, EQ-790


Take the FICO Fitness Challenge
Message 30 of 45
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