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Mega Contributor
Creditaddict
Posts: 16,881
Registered: ‎10-23-2007

Re: high number of accounts

I only pay fees on my Credit One.

couple cards with Annual Fees, my bofa secured and my usbank signature (way pays for itself!)

I already cancelled my nationsbank, cortrust and I would never carry First Premier again

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Established Contributor
Mike14
Posts: 618
Registered: ‎09-16-2008

Re: high number of accounts

Next time they hit you for the AF, call them and ask them to waive it.

 

I tried that with my wife's new Cap1 card, and the guy told me that since the account was just opened, they had to charge it but that they might waive it next year if I call.

 

I just got off a binge of calling everyone who bills me and asking to lower my rate.  I managed to cut expenses by $50+ a month! 

Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
New Visitor
wazzup
Posts: 12
Registered: ‎10-27-2008

Re: high number of accounts

sure laz, i like 0 percent, so many new purchases require new accounts. also, back in the day one card would offer 0% for 6 0r 12 months for bal. xfer, so i took advantage. one card even gave me 20 grand w/ no fees or catches for 0% for 6 mos,which i just placed in a money market.
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: high number of accounts


Mike14 wrote:

I just got off a binge of calling everyone who bills me and asking to lower my rate.  I managed to cut expenses by $50+ a month! 


Awesome!

Here we go again...

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