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 10:35 AM
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO