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i think its time to part ways with wells fargo and chevron in 2015

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kayvee_
Regular Contributor

i think its time to part ways with wells fargo and chevron in 2015

so ive had this wells fargo card. yesterday marked 12 years of my first CC. i have never closed it and have never had a CLI. its now my smallest line of credit at $500. the last time i asked for a CLI they hard pulled me. Smiley Mad  chevron has been on my want to close list for a while now...the interest is 26% so i have been trying not to use it. however, i have one 30 day payment falling off next month or two. should i just keep that one open? that one has 11 yrs 3 months on it. 1500 limit. they stopped giving me limit increases in 2007; probably due to my 30 day late. i sock drawer both of these cards, but my sock drawer could use some room. 

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NRB525
Super Contributor

Re: i think its time to part ways with wells fargo and chevron in 2016

What are your MyFICO scores, and which other cards do you have?

That's odd that even with that long of a history, and a HP, no CLI.

Do you use the WF card regularly?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 4
yfan
Valued Contributor

Re: i think its time to part ways with wells fargo and chevron in 2016

SD it. No reason to close it if it isn't costing you anything.
Message 3 of 4
kayvee_
Regular Contributor

Re: i think its time to part ways with wells fargo and chevron in 2016


@NRB525 wrote:

What are your MyFICO scores, and which other cards do you have?

That's odd that even with that long of a history, and a HP, no CLI.

Do you use the WF card regularly?


I used to but now BofA and CapOne are my regulars. My fico scores this week were 689-703-749.

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