topic Re: TLs Removal? in Credit Cards

TL Removal?

Anonymous — Mon, 17 Nov 2014 23:56:20 GMT

I recently added two TL( Overstock 3k & HSN 2750k) , I do not need these TL. Question: Can I have these deleted from CB's if I Close accounts or will they always be seen?

Also, will my AAoA increase again after I close them?

Re: TL Removal?

SunriseEarth — Tue, 18 Nov 2014 00:14:24 GMT

@Anonymous wrote:
I recently added two TL( Overstock 3k & HSN 2750k) , I do not need these TL. Question: Can I have these deleted from CB's if I Close accounts or will they always be seen?
Also, will my AAoA increase again after I close them?

If you close them, they'll appear on your CRs for ~10 years, at which point they'll age off. GW efforts to ask for a complete removal of TLs like these ones are very rarely successful, and that would probably be your only option. I'd recommend just leaving them open and throwing them in the SD.

Re: TLs Removal?

Anonymous — Tue, 18 Nov 2014 00:17:36 GMT

I see, thank you.

Re: TLs Removal?

Anonymous — Tue, 18 Nov 2014 00:29:15 GMT

Btw, what is SD? Shredder?

Re: TLs Removal?

TheGardner — Tue, 18 Nov 2014 00:33:27 GMT

Either a literal sock drawer or shredder up to you.

SD is a drawer or box (as is my case a small wooden box that I store all my cards in) that you may access the account on occasion to keep the trade line active. If you don't care if it closes you can shred them and nature will eventually take its course.

Good luck!

Re: TLs Removal?

SunriseEarth — Tue, 18 Nov 2014 00:45:13 GMT

@TheGardner wrote:
Either a literal sock drawer or shredder up to you.

SD is a drawer or box (as is my case a small wooden box that I store all my cards in) that you may access the account on occasion to keep the trade line active. If you don't care if it closes you can shred them and nature will eventually take its course.

Good luck!

+1. SD stands for "sock drawer"...this just means you don't actively use those cards. Some members put occasional use on the cards to prevent account closure (a small purchase every few months). However, some don't place any activity on the cards and let them eventually close for inactivity.

Re: TL Removal?

FinStar — Tue, 18 Nov 2014 02:34:03 GMT

@Anonymous wrote:
I recently added two TL( Overstock 3k & HSN 2750k) , I do not need these TL. Question: Can I have these deleted from CB's if I Close accounts or will they always be seen?
Also, will my AAoA increase again after I close them?

Out of curiosity, if you didn't need them why did you apply for them?

Re: TL Removal?

Anonymous — Tue, 18 Nov 2014 02:47:24 GMT

I was exploring the Shopping Cart Trick(both sp's). Fortunately, before those were reported I app'd & was approved for Discover It~5k, Amex BCE~5k, NFCU Cash Rewards~15k, Navycheck ~15k & Citi Simplicity~2k