topic Re: Closed, Downgraded, Applying and in the Radar! in Credit Cards

Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 19:08:39 GMT

It was time to kiss and say good bye...no longer needed them. I've reached the point of my life where i can say I'm back where I was before I had to file for ch7 in 2010 after my wife lost her job during the bad economy. I can't believe 7 years have gone by so fast. I remember hesitating to file ch7 and having to wait the looooong 7 then 10 year mark...I'm here now, and got 3 more years to go sad times those were

Closed:

Overstock - $4,900 CL - Closed on the phone

PayPal - $2,900 CL - Closed online

TjMaxx - $1,000 CL - Closes online on Chat

Downgraded:

Barclay Arrival + - On the phone, no questions asked

Applying:

Uber Visa - Next week

On the radar:

CSP - Next AF is due on 6/2018 - will revise then. Will keep it as CSP if i start using it or downgrade to Freedom Unlimited if i won't be using it.

Costco - Next AF is due on 7/2018 - will revise then

AMEX Green - Next AF is due on 8/2018 - will revise then. Most likely will close, unless i get an offer to upgrade.

US Bank Cash + - If they don't honor the offer I applied for, I will be closing it, along with the US Bank 365, CLOC and Checkings account. This bank s***s anyways, every customer service rep that I've talked to has been rude...booo

BOFA - Secured card, will close if it doesn't unsecure at the 1 yr 1 month mark

So now, I'm at $133k in CL with 0% UTL

What's your Closed, Downgraded, Applying and in the Radar! looks like?

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 19:21:25 GMT

Congrats are closing out the old rebuilders! I go to TJX stores about once a week mostly to peruse the red tag aisle, lol. Not sure the 5% rewards would matter on my $1.50 yellow tag almond flour purchase.

Closing out the AF cards makes sense, too -- if you aren't putting enough spend through them, what's the point? Still uncertain about the Amex MR cards -- I just don't fly premium class carriers enough to justify any of those cards, so once I'm in with Amex, I'll probably stick to BCP and skip the Green/Gold/Platinum/Rust/Sewage MR cards.

Why'd you downgrade Barclay versus chopping them entirely? Any benefits to the downgraded card on your spend patterns?

Uber Visa looks interesting if those spend categories work for you.

US Bank Cash+ should still be useful even without the SUB if you can nail those 5% categories that aren't covered elsewhere, but I would probably ragequit them too if they didn't apply a SUB they promised.

Re: Closed, Downgraded, Applying and in the Radar!

irunfromcredit — Wed, 01 Nov 2017 19:30:57 GMT

Good job on trimming the fat on your credit profile. I have been closing a few my cards myself, last being my Marriott since the AF was about to hit. I haven’t done much travel this year to warrant the AF.

Next on the chopping block for me is my discover miles. I am waiting for my double points promo to end and I will combine that Credit line into my Discover It card. Funny thing about the cards my Discover It I opened first just about 3 years ago as a grad student and I got a starting limit of $500. It sits at $5000 now. But I was approved for my miles card in January 2017 with a starting credit line of $20,000. Go figure. Anyhow, looking to combine those limits at some point. And I think that’s it for now, thinking about closing my BOA cash rewards, haven’t found much use for it. Or I may pc it to something else.

And sorry to hear about your experience with US Bank. It’s a shame your experience has not been as great. I guess I am lucky as I have had a great experience with them so far. *knock on wood...

Oh and I don’t have any cards that are on my radar, maybe the chase sapphire reserve if they have a good promo in the future

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 19:31:05 GMT

@Anonymous wrote:
Congrats are closing out the old rebuilders! I go to TJX stores about once a week mostly to peruse the red tag aisle, lol. Not sure the 5% rewards would matter on my $1.50 yellow tag almond flour purchase. LOL, i go to JcPenney, that is why i'm keeping that card.

Closing out the AF cards makes sense, too -- if you aren't putting enough spend through them, what's the point? Exactly! Still uncertain about the Amex MR cards -- I just don't fly premium class carriers enough to justify any of those cards, so once I'm in with Amex, I'll probably stick to BCP and skip the Green/Gold/Platinum/Rust/Sewage MR cards. At one point i had the Platinum and PRG, only for the rewards.

Why'd you downgrade Barclay versus chopping them entirely? Any benefits to the downgraded card on your spend patterns? I didn't close it because it is one of my oldest, so for the AAOA. Also, if i get deny for the Uber Visa, i want to use the Barclay as hostate (lol) to maybe have them move some credit around should they don't want to give me more credit.

Uber Visa looks interesting if those spend categories work for you. Yes, and also becuase of the phone insurance for my iphone 8.

US Bank Cash+ should still be useful even without the SUB if you can nail those 5% categories that aren't covered elsewhere, but I would probably ragequit them too if they didn't apply a SUB they promised. Yup, it will be gone if they don't honor the offer.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 19:34:40 GMT

@irunfromcredit wrote:
Good job on trimming the fat (lol) on your credit profile. I have been closing a few my cards myself, last being my Marriott since the AF was about to hit. I haven’t done much travel this year to warrant the AF.

Next on the chopping block for me is my discover miles. I am waiting for my double points promo to end and I will combine that Credit line into my Discover It card ( I didnt know you can combine miles card with it card?). Funny thing about the cards my Discover It I opened first just about 3 years ago as a grad student and I got a starting limit of $500. It sits at $5000 now. But I was approved for my miles card in January 2017 with a starting credit line of $20,000. Go figure (it seems that a lot of banks do that, rather give you a new higher limit card than a CL). Anyhow, looking to combine those limits at some point. And I think that’s it for now, thinking about closing my BOA cash rewards, haven’t found much use for it. Or I may pc it to something else.

And sorry to hear about your experience with US Bank. It’s a shame your experience has not been as great. I guess I am lucky as I have had a great experience with them so far. *knock on wood...

Oh and I don’t have any cards that are on my radar, maybe the chase sapphire reserve if they have a good promo in the future (same here!!) plus i'm way over the 5/24 so i need to wait regardless.

Re: Closed, Downgraded, Applying and in the Radar!

wasCB14 — Wed, 01 Nov 2017 19:42:57 GMT

Closing

Prestige once I get my 2018 airfare credit, if I get CSR. Retention or card improvement could change this.

Downgrading

CSP to FU soon. I considered PCing to CSR, but I have an AU who uses the card (just not enough to justify the AU fee).

Maybe applying / on the radar

CSR or Ink Preferred. Currently 4/24.

Aviator, or anything with a nice fat airline bonus

c00mtg, if you're unhappy with your Costco membership, you can get a partial refund. The Costco CC itself has no AF.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 20:06:56 GMT

@Anonymous wrote:

What's your Closed, Downgraded, Applying and in the Radar! looks like?

Only thing for sure that is closing will be my Virgin America VS, and obvioulsly that is not my choice.

On my radar was the Cathay Pacific card, but I procastinated and now the 50k SUB has passed. Maybe if it returns I'll apply.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 21:47:43 GMT

@wasCB14 wrote:
Closing
Prestige once I get my 2018 airfare credit, if I get CSR. Retention or card improvement could change this.

Downgrading
CSP to FU soon. FU sounds good to me, i'm not a fan of category cards. I considered PCing to CSR, but I have an AU who uses the card (just not enough to justify the AU fee). Yeah, better to apply when the bonus goes up to 100,000 again.

Maybe applying / on the radar
CSR or Ink Preferred. Currently 4/24.
Aviator, or anything with a nice fat airline bonus You're the first i hear who wants to appy for Barclay, some people do not like Barclay lol

c00mtg, if you're unhappy with your Costco membership, you can get a partial refund. The Costco CC itself has no AF. Are you sure, i thought (since the card was with AMEX) there was an annual fee on the card but it was waived if you had a costco memembership? is this not the case with the Citi Costco?

Re: Closed, Downgraded, Applying and in the Radar!

wasCB14 — Wed, 01 Nov 2017 22:24:49 GMT

@Anonymous wrote:
@wasCB14 wrote:
Closing
Prestige once I get my 2018 airfare credit, if I get CSR. Retention or card improvement could change this.

Downgrading
CSP to FU soon. FU sounds good to me, i'm not a fan of category cards. I considered PCing to CSR, but I have an AU who uses the card (just not enough to justify the AU fee). Yeah, better to apply when the bonus goes up to 100,000 again. That would be wonderful, but is generally considered unlikely - at least not without some sort of nerf or UR devaluation. This game changes constantly, so while 100k was originally intended to be a temporary promo to make the card popular (a goal accomplished in spades, just not with the intended crowd) Chase may bring it back.

Maybe applying / on the radar
CSR or Ink Preferred. Currently 4/24.
Aviator, or anything with a nice fat airline bonus You're the first i hear who wants to appy for Barclay, some people do not like Barclay lol I don't push my luck with a ton of CLIs and new accounts (I may in the future) and I have enough other credit. I've a bit over three years of history with Barclaycard and never had AA. i'm mostly interested in the miles, anyway.

*Barclaycard comes in and out of fashion on here. A lot of people swear they'll never use or get a card from them again...only to start threads a few months (or weeks or days) later about their new account or great offer for a BT or extra rewards.

c00mtg, if you're unhappy with your Costco membership, you can get a partial refund. The Costco CC itself has no AF. Are you sure, i thought (since the card was with AMEX) there was an annual fee on the card but it was waived if you had a costco memembership? is this not the case with the Citi Costco? Just because a card was once an Amex doesn't mean much. There are several no-AF cards from Amex: ED, BCE, Delta Blue, one of the Hilton cards. TrueEarnings never had an AF. That said, a Costco membership is required to have the Costco Anywhere card. When I PCed from AA Platinum to Citi Costco, the first thing the Citi CSR asked for was my Costco membership number. The online application for Costco Anywhere asks for a Costco memnership number in the first line and says, "You must have an active Costco membership in your name. We may cancel your Card Account and participation in this program if you do not maintain your Costco membership. You must maintain your Costco membership to redeem Costco Cash Rewards earned with the Card."

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Wed, 01 Nov 2017 22:52:57 GMT

Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 01:49:09 GMT

Closing:

Citi Forward once statement cuts next week. I don't owe anythhing on this card but I rather wait til the statement cuts to finally close the card. They won't PC the Forward or give a CLI so it's finally time to close this college card that isn't going anywhere.

On Radar:

Amex Zync. Next AF doesn't hit until next August. It's only a $25 AF but I don't really use the card and don't want to have a AF card. Over the summer they kept sending me offers to change to Gold but that's too much money for me in AFs for a card I won't use. I see on the website that I can "Request an Upgrade" to the Platnium or Gold but not the Green. Which is odd. Only keeping it right now cause they were nice to me giving me a $10k SL on the BCE recently.

Applying:

Not sure but I'm keeping my eye on the Uber card for now. Also thinking about applying for the US Bank Cash+ card in a few months. Right now I'm gonna continue to be in the garden and let my recent cards age.

EDIT: I might hold onto closing the Forward just saw this post on Doctor of Credit from a user on Reddit about them PCing to the ThankYou Preferred. Anyone know if Citi has PC ThankYou Prefrred to DC?

Re: Closed, Downgraded, Applying and in the Radar!

Adkins — Thu, 02 Nov 2017 02:10:00 GMT

@Anonymous wrote:
Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!

Have you gotten the email from NFCU about getting a Costco membership for free via reimbursement? I think I see one of their cards in your siggy but it's tiny and my eyes are tired.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 02:11:40 GMT

@Anonymous wrote:
Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!

Correct me if I'm wrong, but if you cancel your Costco membership entirely, won't Citi close your card?

Re: Closed, Downgraded, Applying and in the Radar!

minski — Thu, 02 Nov 2017 02:30:48 GMT

@Anonymous wrote:
@Anonymous wrote:
Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!
Correct me if I'm wrong, but if you cancel your Costco membership entirely, won't Citi close your card?

I believe that that is the case. That is also my understanding.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 12:50:08 GMT

@Anonymous wrote:

On Radar:

Amex Zync (no one can apply for that card anymore right?)Next AF doesn't hit until next August. It's only a $25 AF but I don't really use the card and don't want to have a AF card (is this one of your oldest card?).

Applying:

Not sure but I'm keeping my eye on the Uber card for now (same here). Also thinking about applying for the US Bank Cash+ card in a few months (be sure to apply for the $100 bonus offer). Right now I'm gonna continue to be in the garden and let my recent cards age.

EDIT: I might hold onto closing the Forward just saw this post on Doctor of Credit from a user on Reddit about them PCing to the ThankYou Preferred. Anyone know if Citi has PC ThankYou Prefrred to DC? (yes you can, here is the link Source)

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 12:51:28 GMT

@Adkins wrote:
@Anonymous wrote:
Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!
Have you gotten the email from NFCU about getting a Costco membership for free via reimbursement? I think I see one of their cards in your siggy but it's tiny and my eyes are tired.

Really?! that would be nice. That is a NFCU card i just got in October. I might call and inquire about it.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 12:52:21 GMT

@Anonymous wrote:
@Anonymous wrote:
Umm, I will have to call Citi and find out more on this. We don't shop at Costco as much, maybe once every three months. Can't justify paying the $60 (downgraded from the $120 Executive), if I can close my membership and get most of those $60 back and no AF on Citi Card, that would be nice!
Correct me if I'm wrong, but if you cancel your Costco membership entirely, won't Citi close your card?

That's what i was thinking, i will call Citi and find out

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 15:18:44 GMT

@Anonymous wrote:
It was time to kiss and say good bye...no longer needed them. I've reached the point of my life where i can say I'm back where I was before I had to file for ch7 in 2010 after my wife lost her job during the bad economy. I can't believe 7 years have gone by so fast. I remember hesitating to file ch7 and having to wait the looooong 7 then 10 year mark...I'm here now, and got 3 more years to go sad times those were

Closed:
Overstock - $4,900 CL - Closed on the phone
PayPal - $2,900 CL - Closed online
TjMaxx - $1,000 CL - Closes online on Chat

Downgraded:
Barclay Arrival + - On the phone, no questions asked

Applying:
Uber Visa - Next week

On the radar:
CSP - Next AF is due on 6/2018 - will revise then. Will keep it as CSP if i start using it or downgrade to Freedom Unlimited if i won't be using it.
Costco - Next AF is due on 7/2018 - will revise then
AMEX Green - Next AF is due on 8/2018 - will revise then. Most likely will close, unless i get an offer to upgrade.
US Bank Cash + - If they don't honor the offer I applied for, I will be closing it, along with the US Bank 365, CLOC and Checkings account. This bank s***s anyways, every customer service rep that I've talked to has been rude...booo
BOFA - Secured card, will close if it doesn't unsecure at the 1 yr 1 month mark

So now, I'm at $133k in CL with 0% UTL

What's your Closed, Downgraded, Applying and in the Radar! looks like?

Closed- So far I have closed my Ulta Mastercard, Amex ED, Victoria's Secret, The Limited. Debating my Amex Hilton, but I have a lot of points on it and it's a no AF card, so I may keep it for now.

Downgraded- PRG to Green, will probbaly end up closing the Green though. I'm not digging the AF cards, and honestly with the rewards I get from others, I'll prob end up staying away from them. In saying that I may look in to the EDP since I can transfer my MR points from the Green to that and close/SD my BCE. Still on the fence though becuase, like I said, I just don't dig that AF. I make zero sense I know.

Applying/On the Radar- none at the moment. I saw Cap1 has a new dining card, but Cap1 and I have a hate hate relationship, they hate me and the feeling is mutual. No other cards have truly piqued my interest at this point.

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 16:24:53 GMT

@Anonymous wrote:
@Anonymous wrote:
It was time to kiss and say good bye...no longer needed them. I've reached the point of my life where i can say I'm back where I was before I had to file for ch7 in 2010 after my wife lost her job during the bad economy. I can't believe 7 years have gone by so fast. I remember hesitating to file ch7 and having to wait the looooong 7 then 10 year mark...I'm here now, and got 3 more years to go sad times those were

Closed:
Overstock - $4,900 CL - Closed on the phone
PayPal - $2,900 CL - Closed online
TjMaxx - $1,000 CL - Closes online on Chat

Downgraded:
Barclay Arrival + - On the phone, no questions asked

Applying:
Uber Visa - Next week

On the radar:
CSP - Next AF is due on 6/2018 - will revise then. Will keep it as CSP if i start using it or downgrade to Freedom Unlimited if i won't be using it.
Costco - Next AF is due on 7/2018 - will revise then
AMEX Green - Next AF is due on 8/2018 - will revise then. Most likely will close, unless i get an offer to upgrade.
US Bank Cash + - If they don't honor the offer I applied for, I will be closing it, along with the US Bank 365, CLOC and Checkings account. This bank s***s anyways, every customer service rep that I've talked to has been rude...booo
BOFA - Secured card, will close if it doesn't unsecure at the 1 yr 1 month mark

So now, I'm at $133k in CL with 0% UTL

What's your Closed, Downgraded, Applying and in the Radar! looks like?
Closed- So far I have closed my Ulta Mastercard, Amex ED (this is a good card with no AF), Victoria's Secret, The Limited. Debating my Amex Hilton, but I have a lot of points on it and it's a no AF card, so I may keep it for now (if you decide to close it, it will not hurt your AAOA, i only have about 33k points on mine)

Downgraded- PRG to Green, will probbaly end up closing the Green though (same here, AF due next year). I'm not digging the AF cards, and honestly with the rewards I get from others, I'll prob end up staying away from them. In saying that I may look in to the EDP since I can transfer my MR points from the Green to that and close/SD my BCE. Still on the fence though becuase, like I said, I just don't dig that AF. I make zero sense I know.

Applying/On the Radar- none at the moment. I saw Cap1 has a new dining card, but Cap1 and I have a hate hate relationship, they hate me and the feeling is mutual. No other cards have truly piqued my interest at this point. (May i suggest the Fidelity Visa, 2% back on every single purchase, no AF. BOFA no longer supports this card, it is now with Elan Services, easier to deal with)

Re: Closed, Downgraded, Applying and in the Radar!

Anonymous — Thu, 02 Nov 2017 17:08:21 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
It was time to kiss and say good bye...no longer needed them. I've reached the point of my life where i can say I'm back where I was before I had to file for ch7 in 2010 after my wife lost her job during the bad economy. I can't believe 7 years have gone by so fast. I remember hesitating to file ch7 and having to wait the looooong 7 then 10 year mark...I'm here now, and got 3 more years to go sad times those were

Closed:
Overstock - $4,900 CL - Closed on the phone
PayPal - $2,900 CL - Closed online
TjMaxx - $1,000 CL - Closes online on Chat

Downgraded:
Barclay Arrival + - On the phone, no questions asked

Applying:
Uber Visa - Next week

On the radar:
CSP - Next AF is due on 6/2018 - will revise then. Will keep it as CSP if i start using it or downgrade to Freedom Unlimited if i won't be using it.
Costco - Next AF is due on 7/2018 - will revise then
AMEX Green - Next AF is due on 8/2018 - will revise then. Most likely will close, unless i get an offer to upgrade.
US Bank Cash + - If they don't honor the offer I applied for, I will be closing it, along with the US Bank 365, CLOC and Checkings account. This bank s***s anyways, every customer service rep that I've talked to has been rude...booo
BOFA - Secured card, will close if it doesn't unsecure at the 1 yr 1 month mark

So now, I'm at $133k in CL with 0% UTL

What's your Closed, Downgraded, Applying and in the Radar! looks like?
Closed- So far I have closed my Ulta Mastercard, Amex ED (this is a good card with no AF), Victoria's Secret, The Limited. Debating my Amex Hilton, but I have a lot of points on it and it's a no AF card, so I may keep it for now (if you decide to close it, it will not hurt your AAOA, i only have about 33k points on mine)

Downgraded- PRG to Green, will probbaly end up closing the Green though (same here, AF due next year). I'm not digging the AF cards, and honestly with the rewards I get from others, I'll prob end up staying away from them. In saying that I may look in to the EDP since I can transfer my MR points from the Green to that and close/SD my BCE. Still on the fence though becuase, like I said, I just don't dig that AF. I make zero sense I know.

Applying/On the Radar- none at the moment. I saw Cap1 has a new dining card, but Cap1 and I have a hate hate relationship, they hate me and the feeling is mutual. No other cards have truly piqued my interest at this point. (May i suggest the Fidelity Visa, 2% back on every single purchase, no AF. BOFA no longer supports this card, it is now with Elan Services, easier to deal with)

I didn't think of Fidelity, are they pretty picky? I know really nothing about them. I don't have any BK in my past but I do have baddies from a few years ago.