topic Re: should i??? in Credit Cards

should i???

afbar1114 — Wed, 29 Feb 2012 21:13:13 GMT

i just paid off 4 of my credit cards:

Walmart

kohls

cap1

chase slate

i am thinking about closing 1 or 2 of those... or should i wait until i get another primce card like freedom or BCP

Re: should i???

Datx — Wed, 29 Feb 2012 21:19:42 GMT

If those are your only 4 accounts, then I would leave it open.

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:26:04 GMT

Didnt you get slate less than 30 days ago?

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:29:00 GMT

@Datx wrote:
If those are your only 4 accounts, then I would leave it open.

no they are not my only cards. here is what my profile looks like:

Name-CL-Opened-Bal

Bestbuy Store-$1000-Jan '12-$945

Amex Zync-NPSL-Jan '12-N/A (keeping)

Chase Slate- $500-Jan '12-$0 (keeping)

Walmart-$500- Jan/Feb '12-$0

Jared-$2500-Dec '11-$370

Cap1 No hassle-$500-Dec '11-$0

Kohls-$500- Jun '11-$0 (Keeping)

Home Depot-$1100-Jul '11-$356

Cap1 Plat-$750-May '11-$494

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:27:55 GMT

@Anonymous wrote:
Didnt you get slate less than 30 days ago?

yea i wasnt planing on closing that one since its chase... im just trying to figure out what i should close.. i feel like i have to many.. i think closing store cards are better then closing major

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:29:27 GMT

I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:31:27 GMT

If you actually shop at Kohl's (as I do), I don't see why you would close it.

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:31:36 GMT

i am gardening right now 25 days app free... i just want my profile to look good when i app for freedom or bcp in 6-12 months but more like 12 months

Re: should i???

LS2982 — Wed, 29 Feb 2012 21:31:55 GMT

@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...

Leave them all open let them grow!! SD if you don't want to use them!

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:32:12 GMT

yea kohls i will most likly keep i get 30% off all the time and i dont pay tax on clothes

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:33:44 GMT

@LS2982 wrote:
@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...
+1

Leave them all open let them grow!! SD if you don't want to use them!

that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:35:47 GMT

@afbar1114 wrote:
@LS2982 wrote:
@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...
+1

Leave them all open let them grow!! SD if you don't want to use them!
that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much

Because you went app crazy last month lol

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:37:16 GMT

@Anonymous wrote:
@afbar1114 wrote:
@LS2982 wrote:
@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...
+1

Leave them all open let them grow!! SD if you don't want to use them!
that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much

Because you went app crazy last month lol

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.

yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol

Re: should i???

LS2982 — Wed, 29 Feb 2012 21:38:38 GMT

@afbar1114 wrote:
@Anonymous wrote:
@afbar1114 wrote:
@LS2982 wrote:
@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...
+1

Leave them all open let them grow!! SD if you don't want to use them!
that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much

Because you went app crazy last month lol

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.
yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol

You'll be just fine with the accounts you currently have! Let them grow, and SD the ones you are not using.

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:40:32 GMT

@LS2982 wrote:
@afbar1114 wrote:
@Anonymous wrote:
@afbar1114 wrote:
@LS2982 wrote:
@Anonymous wrote:
I think you really need to make up your mind on what you want to do. The point of gardening is to not app for anything and let your current cards grow. It would make sense to close them if they were, say, Credit One or FP. Maybe even Capital One. You have cards from GECRB that will grow, as well as your Slte card that you just opened. The benefit to the Slate is that it is prime, and will grow with you. But like I said, you really need to determine what you want to do. One week you want to open a million new accounts, then claim you are gardening...
+1

Leave them all open let them grow!! SD if you don't want to use them!
that makes more sense untill i get another prime or two. then i guess i will take it from there..i just feel like having too many credits (i have 9) is too much

Because you went app crazy last month lol

Just garden for now. Say it with us... gaaaaaaaaaaaaaardennnnnnnnnn.
yea but i only got four cards 2 of which i are prime so i am happy maybe 3 cards....nope 4 lol
You'll be just fine with the accounts you currently have! Let them grow, and SD the ones you are not using.

sounds good... but do i need to use them at all or can i just let a $0 bal post each month...sorry for all this i really runined my credit about 5 or so years ago and i am just now getting it fixed, and i am trying to learn since my family knows nothing of credit.

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:40:47 GMT

Just think of the cards you can get if you garden for a year or two... I know if I wouldn't have gone app crazy and just applied for what I needed, I would have a few Visa Sigs in my possession...

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:42:18 GMT

and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days

Re: should i???

LS2982 — Wed, 29 Feb 2012 21:45:39 GMT

@afbar1114 wrote:
and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days

It might be best for you to opt-out.

Re: should i???

Anonymous — Wed, 29 Feb 2012 21:46:49 GMT

@LS2982 wrote:
@afbar1114 wrote:
and i am not taking the BCP offer they sent me either...lol which is get $100 CB after spending $500 in 60days
It might be best for you to opt-out.

+1 with lots of exclamation points afterwards.

Re: should i???

afbar1114 — Wed, 29 Feb 2012 21:46:56 GMT

nah it will help me control my self if i dont