topic Re: Cards on the Chopping Block..... in Credit Cards

Cards on the Chopping Block.....

linux007969 — Tue, 11 Aug 2015 01:27:41 GMT

I am putting together a list of Cards to close begining this year and ending about 4 years from now......

Walmart - Not earning rewards, actually using other cards when i go there...... thinking of closing before end of 2015

AMEX Sr. Green Charge Card - Annual Fee, getting my Everyday Card rolled over points so I can use it instead...... thinking of closing by November 2015

PNC Cash Builder - worked so hard to get it so PNC could see into my credit world to help me score an auto loan, which happened, and now i use it for my Auto Insurance so they can see i have it which satisifies my auto loan requirement, so looking to close this card after my auto loan is pad off by the end of 2018

Paypal Extras MasterCard - as some of you guys know i went through a hassle of getting this card and actually had smart connect twice before i got this card...... but i hardly use it and the points rewards system isn't much good to me, but this would be my last GE/Synchrony Card......... i'm not sure when or if i will close it if i do it may be a while..... the jury is still out on this one.

Any advice on my cards on the chopping block?

Re: Cards on the Chopping Block.....

taxi818 — Tue, 11 Aug 2015 01:42:28 GMT

@linux007969 wrote:
I am putting together a list of Cards to close begining this year and ending about 4 years from now......

Walmart - Not earning rewards, actually using other cards when i go there...... thinking of closing before end of 2015

AMEX Sr. Green Charge Card - Annual Fee, getting my Everyday Card rolled over points so I can use it instead...... thinking of closing by November 2015

PNC Cash Builder - worked so hard to get it so PNC could see into my credit world to help me score an auto loan, which happened, and now i use it for my Auto Insurance so they can see i have it which satisifies my auto loan requirement, so looking to close this card after my auto loan is pad off by the end of 2018

Paypal Extras MasterCard - as some of you guys know i went through a hassle of getting this card and actually had smart connect twice before i got this card...... but i hardly use it and the points rewards system isn't much good to me, but this would be my last GE/Synchrony Card......... i'm not sure when or if i will close it if i do it may be a while..... the jury is still out on this one.

Any advice on my cards on the chopping block?

well looks like you have a great plan. Im not sure about that amex sr green. what is it? 35. remember no backdating so i would probably keep it for the history. LIke you almost every card you said is on chopping block for me. but i don't have pnc. But my green. Chopping block. Pay pal. Chopping block. I had smart connect too. Canceled and when my tu hit 715 i got the mastercard. But i don't use it. I have to fight to even put 30 on it. also. my macy's is on chopping block. Will keep walmart. just for fico and pay over purchase.

Re: Cards on the Chopping Block.....

linux007969 — Tue, 11 Aug 2015 01:46:09 GMT

@taxi818 wrote:
@linux007969 wrote:
I am putting together a list of Cards to close begining this year and ending about 4 years from now......

Walmart - Not earning rewards, actually using other cards when i go there...... thinking of closing before end of 2015

AMEX Sr. Green Charge Card - Annual Fee, getting my Everyday Card rolled over points so I can use it instead...... thinking of closing by November 2015

PNC Cash Builder - worked so hard to get it so PNC could see into my credit world to help me score an auto loan, which happened, and now i use it for my Auto Insurance so they can see i have it which satisifies my auto loan requirement, so looking to close this card after my auto loan is pad off by the end of 2018

Paypal Extras MasterCard - as some of you guys know i went through a hassle of getting this card and actually had smart connect twice before i got this card...... but i hardly use it and the points rewards system isn't much good to me, but this would be my last GE/Synchrony Card......... i'm not sure when or if i will close it if i do it may be a while..... the jury is still out on this one.

Any advice on my cards on the chopping block?

well looks like you have a great plan. Im not sure about that amex sr green. what is it? 35. remember no backdating so i would probably keep it for the history. LIke you almost every card you said is on chopping block for me. but i don't have pnc. But my green. Chopping block. Pay pal. Chopping block. I had smart connect too. Canceled and when my tu hit 715 i got the mastercard. But i don't use it. I have to fight to even put 30 on it. also. my macy's is on chopping block. Will keep walmart. just for fico and pay over purchase.

My Sr. Green was $35 for annual fee, plus $45 for membership rewards so basically $75 instead of $95..... but ya it should just be $35 now since my Everyday is linked up and they automaticaly credited my membership rewards fee back to me without having to ask..... so maybe my Sr. Green gets a stay....... we'll see......

Re: Cards on the Chopping Block.....

linux007969 — Tue, 11 Aug 2015 01:48:43 GMT

ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.

Re: Cards on the Chopping Block.....

taxi818 — Tue, 11 Aug 2015 01:50:42 GMT

Hehehe. That's why I mentioned that. It does have some benefits. And that -c note is like purchase. Not cash advance.

Re: Cards on the Chopping Block.....

kdm31091 — Tue, 11 Aug 2015 02:03:50 GMT

@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.

Sure that's a nice feature but not really a reason to keep an otherwise useless account open. I mean, really, ATM fees are not going to make you bankrupt or anything, and basically amount to the same cost as that soda!

The Walmart card is nothing special reward-wise, you would think it would give 5% or something, but nope

Re: Cards on the Chopping Block.....

Anonymous — Tue, 11 Aug 2015 02:03:56 GMT

@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.

Discover?

Re: Cards on the Chopping Block.....

linux007969 — Tue, 11 Aug 2015 02:20:00 GMT

@Anonymous wrote:
@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.
Discover?

You have got to be crazy if you think i should close my Discover Card!!!!! They are my bestie! They have really helped me when i needed them the most! There always there for me!

Re: Cards on the Chopping Block.....

Anonymous — Tue, 11 Aug 2015 02:20:58 GMT

@linux007969 wrote:
@Anonymous wrote:
@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.
Discover?
You have got to be crazy if you think i should close my Discover Card!!!!! They are my bestie! They have really helped me when i needed them the most! There always there for me!

No, Don't close the Discover. But the Discover also has Cashover, and not just at walmart.

Re: Cards on the Chopping Block.....

linux007969 — Tue, 11 Aug 2015 02:23:09 GMT

@Anonymous wrote:
@linux007969 wrote:
@Anonymous wrote:
@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.
Discover?
You have got to be crazy if you think i should close my Discover Card!!!!! They are my bestie! They have really helped me when i needed them the most! There always there for me!
No, Don't close the Discover. But the Discover also has Cashover, and not just at walmart.

@Anonymous i actually realized that after i posted..... sorry...... just no one will mess with me and my Discover Card, i will kick their @$$ if they try.....

Re: Cards on the Chopping Block.....

Imperfectfuture — Wed, 12 Aug 2015 13:03:29 GMT

@linux007969 wrote:
ya and if i close walmart then i can't go buy a soda and get $100 cash back at the register when i need it.......... i guess i'm having seconds thoughts on this.....

Looks like that just leaves PNC and Paypal.

Doesn't Discover let you get cash back at register in Walmart?

Just saw saw others came up with same conclusion.