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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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 $$$




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

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
Valued Contributor
jamesdwi
Posts: 1,421
Registered: ‎09-16-2011

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 & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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 


:smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
cardcrazyboi
Posts: 112
Registered: ‎03-18-2012

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...

 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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