Reply
Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

Re: What to do....what to do???

Thanks everyone for your responses, i do appreciate the advice. Its funny, i just realized that this is prob this hard of a decision because i was never in a position to be picky or turn down credit...i love this side of the credit pasture...sure is greener ;-)

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Established Contributor
Posts: 529
Registered: ‎02-14-2012
0

Re: What to do....what to do???


Open123 wrote:

Why not just close the Orchard and Merrick?


+1

Why SD a card with an AF? I just closed my Merrick a couple of weeks ago and am glad I did. You have higher lines now and the Orchard and Merrick will still be positive reports. Close 'em...shut 'em down ! You can do it. :smileytongue:

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

Re: What to do....what to do???

LOL...thnx for the faith. Yea i think its done unless they make me an offer i cnt refuse ;-)

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Established Contributor
Posts: 529
Registered: ‎02-14-2012
0

Re: What to do....what to do???


shorrttyycm1 wrote:
LOL...thnx for the faith. Yea i think its done unless they make me an offer i cnt refuse ;-)

Yeah, don't count on Merrick for that. When I told the rep I wanted to close the account, she suggested I keep it open just for emergencies. I told her I would were it not for the AF. She had no counter/comment. She simply said, "ok, your account is now closed." Good riddance!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: What to do....what to do???

The Orchard card is converting to Capital One and I heard they stopped doing increases until the transition is complete, which will be late spring. I would hold onto to the Orchard card and wait until the transition is complete to ask for a CLI. My Orchard card has a $1100 CL and it started at $300. I was getting increases every 6 months until Cap One took over. I haven't had an increase since 2011.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Frequent Contributor
Posts: 392
Registered: ‎03-29-2011
0

Re: What to do....what to do???

I wonder if Cap One will auto review all accounts when the change is complete and increase limits automatically to match our current capone cards???

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.