07-28-2012 09:34 AM
07-28-2012 09:43 AM
07-28-2012 09:49 AM
Free market and love it. They don't want your business, you can give it to somebody else. Great choice!
07-28-2012 11:02 AM
The guy I spoke to today when I got transferred to clsoe the account was going over how they tell you it will hurt your credit score basically and that I should keep it open because it is a free card to have and the 5% categories etc...I wasn't having it and then I asked if there was any way to up the limit without a hard pull and he said no so I asked what CR they pull and he said it would be all 3!!!!!! I said HECK NO!!!!! are they crazy? I got glimpses of Cap1 for a minute haha on another note I got a notification for my score watch that said that my score went up due to my SWRR card being closed and my Freedom card being opened. The Freedom had already reported and then the SWRR closing was the last to post and it boosted my score like 18 points I believe. Being that I just got a USAA with 7k limit I don't thinki closing the Discover at 1k will hurt me.
07-28-2012 11:06 AM
07-28-2012 11:24 AM
There really is no benefit to having both a Freedom and a Discover, so I don't see a problem with closing it. They probably wouldn't give you a CLI because you didn't use the card very much. That's the same problem I'm currently having with my Walmart Discover.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.