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Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: which card to close first???

After you close First Premier, KEEP calling back every few days to make sure you don't owe any residual interests or any fees. 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Valued Contributor
scottwagnon
Posts: 1,321
Registered: ‎02-07-2010

Re: which card to close first???

i should have read the replies. good for already closing FP. as far as first national with an AF, call them and see if you can PC it to another product that dosent include an af or if they will discontinue appling AF's to your account. if that doesn't work, and you don't use your card, then consider closing it unless you feel it is worth keeping open. after all you can also request that they waive the fee every year if that is important for you to do.

EX BankCard 8 FICO 801 (250-900) 03/08/14
TU FICO 795 (350-850) 03/10/14
EX VT 3.0 802 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 797 (C is 300 - 850)
transrisk 772 03/29/14

see my card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Contributor
rogersave
Posts: 101
Registered: ‎07-18-2011

Re: which card to close first???

They did not name FP but it said "our analysis of the credit risk associated with customers who have accounts with the creditors in your credit report" I closed FP a couple days ago, and got approved for an AMEX PRG today!!

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 7000.
in the garden since 12/20/13 here to stay…..
Valued Contributor
scottwagnon
Posts: 1,321
Registered: ‎02-07-2010

Re: which card to close first???

CONGRATS! :smileyhappy: since you applied to day rogersave, this is your chance to apply for a no af revolver. go for plain blue, it is from what i hear the easiest revolve to get approved for. amex centurion will not hp you apply for another card today.

EX BankCard 8 FICO 801 (250-900) 03/08/14
TU FICO 795 (350-850) 03/10/14
EX VT 3.0 802 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 797 (C is 300 - 850)
transrisk 772 03/29/14

see my card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: which card to close first???


rogersave wrote:

They did not name FP but it said "our analysis of the credit risk associated with customers who have accounts with the creditors in your credit report" I closed FP a couple days ago, and got approved for an AMEX PRG today!!


 

Huge Congrats!

 

Welcome To the AMEX family!  I've read a few times or so about that being reason for AMEX to decline.

 

And remember, as others have said, check back with FP to make sure they're not charging you in an attempt to milk you for more. That's been posted here before too and unchecked, they can become a headache.

Contributor
rogersave
Posts: 101
Registered: ‎07-18-2011

Re: which card to close first???

Thank you! I have called in and checked online, nothing owed

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 7000.
in the garden since 12/20/13 here to stay…..
Contributor
rogersave
Posts: 101
Registered: ‎07-18-2011

Re: which card to close first???

Closed Orchard bank today, not interested in a PC to a Cap1 card. I thanked them for helping me rebuild and gave them the boot lol. Im happy with my cards now. I will come out of the garden in 6 months for an AMEX revolver and I will be set. Thanks again to everyone for your advice.

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 7000.
in the garden since 12/20/13 here to stay…..
Moderator
09Lexie
Posts: 22,518
Registered: ‎09-13-2012

Re: which card to close first???


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