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Which Credit Card Are You Most Ashamed Of!?

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AF_23
Frequent Contributor

Re: Which Credit Card Are You Most Ashamed Of!?

Capital One platium visa.  iIs a shame the cards dont grow considering im perfect with them and used it plenty back in the day. Its now sockdrawered, till i leave this place we call Earth Smiley Tongue

Message 101 of 108
Volpes
Regular Contributor

Re: Which Credit Card Are You Most Ashamed Of!?


@AF_23 wrote:

Capital One platium visa.  iIs a shame the cards dont grow considering im perfect with them and used it plenty back in the day. Its now sockdrawered, till i leave this place we call Earth Smiley Tongue


Isn't it considered a bad idea not to have a credit card sit unused for a lenght of time?

Message 102 of 108
AF_23
Frequent Contributor

Re: Which Credit Card Are You Most Ashamed Of!?


@Volpes wrote:

@AF_23 wrote:

Capital One platium visa.  iIs a shame the cards dont grow considering im perfect with them and used it plenty back in the day. Its now sockdrawered, till i leave this place we call Earth Smiley Tongue


Isn't it considered a bad idea not to have a credit card sit unused for a lenght of time?


I do.. I just run a couple small automatic monthly charges through it. One of them being MYFICO score watch lol.

Message 103 of 108
LS2982
Mega Contributor

Re: Which Credit Card Are You Most Ashamed Of!?


@Volpes wrote:

@AF_23 wrote:

Capital One platium visa.  iIs a shame the cards dont grow considering im perfect with them and used it plenty back in the day. Its now sockdrawered, till i leave this place we call Earth Smiley Tongue


Isn't it considered a bad idea not to have a credit card sit unused for a lenght of time?


Yes, as long as you run a charge through it every now and then you'll be fine.




EQ FICO 548 3/3/16
Message 104 of 108
annielorie
Valued Contributor

Re: Which Credit Card Are You Most Ashamed Of!?

Has the card aged one year yet if not keep it open


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
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Message 105 of 108
annielorie
Valued Contributor

Re: Which Credit Card Are You Most Ashamed Of!?

Im 43 and just establishing credit for the first time no use in crying over spilt milk just get a paper towel ya know?


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 106 of 108
Tonya-E
Established Contributor

Re: Which Credit Card Are You Most Ashamed Of!?


 


The way I see it, no reason to be ashamed.  What is done is done. I regret keeping some cards as long as I did and not looking into other options sooner (FP and Applied) but I am not ashamed I had them.  I mean at the time when I applied I needed them and regardless of how bad the terms may have been, they did help me re-build.  I had someone up here and tell me how disgusted they would be carrying a FP card and that Amex should have basically denied me for having one. (Because Amex didn't give me a CLI at the 61 day mark).  But oh well, FP wouldn't still be in business if people were not using their cards so I am not the first and I won't be the last. So, ashamed no; glad they are gone, yes!

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


Take the myFICO Fitness Challenge
Message 107 of 108
annielorie
Valued Contributor

Re: Which Credit Card Are You Most Ashamed Of!?

+10,0000


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 108 of 108
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