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closing walmart

Mega Contributor

Re: closing walmart


jamesdwi wrote:

tcbofade wrote:

Yeah, what he said.

 

The card has no annual fee, and if you don't carry a balance, you'll never pay a penny in interest.

 

I'd keep the card just for the free TU score...


+1 

 

and don't forget you can get free cash advances at walmarts  just buy a pack of gum put on the card.... select amount of cash you want back...  you can go to the service desk and return the gum if you like ;-) 

 

 


I love this feature when i'm short on $$$




EQ FICO 548 3/3/16
Message 11 of 57
Valued Contributor

Re: closing walmart

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 12 of 57
Mega Contributor

Re: closing walmart


afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.




EQ FICO 548 3/3/16
Message 13 of 57
Valued Contributor

Re: closing walmart


LS2982 wrote:

afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.


ok ill pay it off and  maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 14 of 57
Mega Contributor

Re: closing walmart


afbar1114 wrote:

LS2982 wrote:

afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.


ok ill pay it off and  maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it


To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.




EQ FICO 548 3/3/16
Message 15 of 57
Valued Contributor

Re: closing walmart


LS2982 wrote:

afbar1114 wrote:

LS2982 wrote:

afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.


ok ill pay it off and  maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it


To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.


i ment Credit Steps Program lol 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 16 of 57
Valued Contributor

Re: closing walmart


afbar1114 wrote:

LS2982 wrote:

afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.


ok ill pay it off and  maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it


another thing to remember is that GE/walmart is very good about CLI's every 4-5 months and that helps long term with some prime cards others here have posted about being in the low limit trap, which you seem to be, keep the walmart card for a year ask for CLI's every 4 months or so and you will soon be over 4k CLI and it can graduate to be a discover card at some point in the future. Got my Walmart card in november 900 CL, this month they gave me a $100 CLI now at $1000 I expect them to give me another one in 4 more months and if they follow the GE pattern it could be as high as a $1000 CLI and that will definetely help your UTL. 

 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 17 of 57
Mega Contributor

Re: closing walmart


afbar1114 wrote:

LS2982 wrote:

afbar1114 wrote:

LS2982 wrote:

afbar1114 wrote:

AMEX-NPSL

Jared-$282/$2500

Home Depot- $356/$1100

Best Buy (store)- $445/$1000

Cap1-$428/$750

Cap1-$60/$500

Chase-$100/$500

Kohls-$25/$500

Walmart-$0/$500


Used my cards a bit more this month going to try to let a small bal of 15% or less post 

 


I'd SD what you don't use. Only one I would remotely consider axing is the $500CL Cap1.


ok ill pay it off and  maybe close it... ill be getting a CSP on it may but i let a bal of $0 post this month so i prolly wont get it


To get the CSP you have to have experience with a 5K limit, I would consider gardening past that timeframe and try to get CLI's.


i ment Credit Steps Program lol 


Smiley Very Happy




EQ FICO 548 3/3/16
Message 18 of 57
Established Member

Re: closing walmart

@LS2982 will this impact my score or credit if i close it..

 

1 cap plat card $800 $19AF for 6yr.

1 cap plat  card $750 $39AF for 1.5yr

sony card from cap1 $750 no AF 1.5yr

 

all of this is 0 balance...

 

Message 19 of 57
Mega Contributor

Re: closing walmart


cardcrazyboi wrote:

@LS2982 will this impact my score or credit if i close it..

 

1 cap plat card $800 $19AF for 6yr.

1 cap plat  card $750 $39AF for 1.5yr

sony card from cap1 $750 no AF 1.5yr

 

all of this is 0 balance...

 


Shut this one down. Should not impact your scores as long as you keep your Util. down.




EQ FICO 548 3/3/16
Message 20 of 57