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I dont know if it would be a good idea or not, the credit limit is a mere $250 with 36% APR. I don't ever use the card even though it's been in good standing. I've called and they wont upgrade my account to a regular credit card. Unfortunately this is one of the cards that reported 2 30 day late payment and their response to my GW letters to have them removed was that they couldnt because it would indicate false reporting and that I should file a dispute. *sigh* so much for that baddie going by the wayside. So since this account isnt doing me any "good", I was considering closing it. Smart move or no?
@Anonymous wrote:I dont know if it would be a good idea or not, the credit limit is a mere $250 with 36% APR. I don't ever use the card even though it's been in good standing. I've called and they wont upgrade my account to a regular credit card. Unfortunately this is one of the cards that reported 2 30 day late payment and their response to my GW letters to have them removed was that they couldnt because it would indicate false reporting and that I should file a dispute. *sigh* so much for that baddie going by the wayside. So since this account isnt doing me any "good", I was considering closing it. Smart move or no?
Wow what a high APR. Sounds like my car loan but I would close it. I'm thinking about closing my Kohl's card and NY& Co because the limits are low. I spend money in these stores and I don't always pay in full. I hate carrying a balance on a low limit card because it hurts my credit score.
36% Wowser!
That makes CreditOne look like a prime card.
OP, I would not only close that card, I would shred it and then burn the scraps to make sure it doesn't come back to life.
Was this a penalty rate due to the late payments?