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What credit cards will you NOT carry?

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
New Contributor

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.

Starting Score: 677 EQ (1/21/09)/705 TU (1/21/09)/714 EXP (1/21/09)
Current Score: 707 EQ (9/21/10)/720 TU (3/27/10)/Darn you EXP
Goal Score: 720 on all three by end of 2010


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Message 22 of 45
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
Valued Contributor

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.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 24 of 45
Established Contributor

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
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
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
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
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
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


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Message 30 of 45