@Pat94108 wrote:I've had all types of credit cards in the past, e.g. Amex Blue (Cash, Sky), Discover It among others but I all closed them all and only have Quicksilver and Amex Green now. I perfectly content with that so no longer seeking credit. I probably would only keep the Amex if it was accepted in as many places as Visa/MC.
When I started rebuilding - I had as many cards as HSBC ( 1 Disc. and 3-4 small limit MC) and Cap 1 (one Visa one MC) would allow. Then of course there were all the GEMB cards that were great for helping to rebuild. I had Lowes (never go into the store), Chevron (I have yet to see one since moving here nearly 20 years ago) 2 Walmart Cards (still can't explain how that happened), JCP - Amazon - PayPal.... Then Target - was not worth the 5 mile drive to the store for the prices. I had no reason to use the thing.
Then I became fed up with HSBC and Cap1 (no growth and little growth respectfully) and with trying to manage all of these accounts. I actually had grand ole time about a year and a half ago closing accounts! I posted about it here, and there were some who were critical of my decision - all of that AAoA and utilization stuff. I get that, but I just could not justify having these accounts, especially since I could not keep up with them. All accounts I was no using, no matter the limit or age, I closed, including every single one of the above bank cards. And it certainly felt GREAT! To be honest, they all helped me rebuild, but I felt once they did what I needed them to do - and when they seemed more like a burden than anything - it was OK to cut them all loose!
The store cards I currently I have:
Amazon - which I use regularly because I act like I have some serious stock in Amazon. I mean, I do MOST of non-food (except cat food) shopping on Amazon -
Walmart - Shop at regularly -
JCP - I might use it once - twice a year
Firestone - I can't stand having to use it, but it certainly is nice to have 0% interest for 6 months. And where I live, the weather is ROUGH on tires!
PayPal Smart Connect - I do a lot of online shopping and I feel much better paying with PayPal than with my bank cards outright.
There was a time when I wanted a Best Buy card, once again, only trying to relive my old credit glory. But then I thought, "I get 5% casback buy going through Shop Discover - extended warranty - AND - I can use my casback bonuses on my favorite online store...... Amazon. Additionally, I get to put some good milage and great payment history on a fantastic card...
Oh the joy!" Have not thought about a BB card since!
Now to get CSP and Amex off my mind!
