topic Re: too close or not too close.... in Credit Cards

to close or not to close....

afbar1114 — Mon, 30 Jan 2012 03:02:23 GMT

i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Re: too close or not too close....

namvet — Mon, 30 Jan 2012 01:52:30 GMT

I would close FP card and keep the Cap One cards open.

Re: too close or not too close....

LS2982 — Mon, 30 Jan 2012 01:53:31 GMT

@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Keep them and gain history

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 01:59:45 GMT

@LS2982 wrote:
@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan
Keep them and gain history

but close fp and bbrzmc? i want something with a higher limit but i guess i dont really need a prime card lol

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 02:01:38 GMT

Get rid of the FP. You will only lose the CL not the age. What kind of fees do you pay on this FP.

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 02:03:39 GMT

ALOT lol....$48 a year already paid it.....and $7 a month..i may wait to close it since i already had the AF hit but close BBRZMC before that AF hits $60!!!!!

Re: too close or not too close....

seattletravels — Mon, 30 Jan 2012 02:04:57 GMT

$7/month @ 12 months = $84 year. That's on top of your annual fee. Don't wait to close it!

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 02:06:17 GMT

@afbar1114 wrote:
ALOT lol....$48 a year already paid it.....and $7 a month..i may wait to close it since i already had the AF hit but close BBRZMC before that AF hits $60!!!!!

So on top of the 48 , you pay $84 per year for your FP. Total 132/ year versus 60 for the cap one . See where I'm going?

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 02:08:14 GMT

@CS800 wrote:
@afbar1114 wrote:
ALOT lol....$48 a year already paid it.....and $7 a month..i may wait to close it since i already had the AF hit but close BBRZMC before that AF hits $60!!!!!
So on top of the 48 , you pay $84 per year for your FP. Total 132/ year versus 60 for the cap one . See where I'm going?

no the 60 is for BBRZMC not cap 1 i think i got the card wit a af of $19.... if they can PC me to a better card ill take it or higher CL

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 02:09:33 GMT

Which card was $19?

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 02:17:54 GMT

the cap 1 plat i think it was an offer i got and both the fp and bbrzmc have cl of only $300 and i think its hurting me more with these CL's

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 02:26:00 GMT

What's your cl on the FP?

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 02:28:41 GMT

@CS800 wrote:
What's your cl on the FP?

$350

Re: too close or not too close....

AndySoCal — Mon, 30 Jan 2012 02:39:38 GMT

Close the FP and Best Buy. Keep the Capital One for now. In my mind saving money beats FICO score points any day. You have two prime cards Slate and Zync. I would wait on getting another card allow your scores to continue to improve.

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 02:43:07 GMT

@afbar1114 wrote:
@CS800 wrote:
What's your cl on the FP?
$350

FP and rzmc gone. The AF and fees are too high. Do you have other revolvers? You don't want to kill your available credit too much this might make your util go up and you know this will kill your score

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 02:45:32 GMT

i have other cards that havent posted yet and i plan on taking some money and paying off some cards and bal so i can close these 2 cards

Re: too close or not too close....

Anonymous — Mon, 30 Jan 2012 02:54:41 GMT

@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Was not expecting this to be the topic based on the thread title.. "Too" instead of "To"

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 03:01:49 GMT

@Anonymous wrote:
@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Was not expecting this to be the topic based on the thread title.. "Too" instead of "To"

yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off

Re: too close or not too close....

CS800 — Mon, 30 Jan 2012 03:03:55 GMT

@afbar1114 wrote:
@Anonymous wrote:
@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Was not expecting this to be the topic based on the thread title.. "Too" instead of "To"

yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off

Get some rest a long week starts tomorrow . But in all seriousness, I would get rid of the FP

Re: too close or not too close....

afbar1114 — Mon, 30 Jan 2012 03:05:05 GMT

@CS800 wrote:
@afbar1114 wrote:
@Anonymous wrote:
@afbar1114 wrote:
i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step and my cash rewards card $500 credit step to $750 in may. should i keep these both open untill i get my other PRIME card as i plan

Was not expecting this to be the topic based on the thread title.. "Too" instead of "To"

yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off
Get some rest a long week starts tomorrow . But in all seriousness, I would get rid of the FP

yea i plan on it along with the bb card... i am going to be paying it off in the next 2 months