topic Re: I finally did it. CC closures in General Credit Topics

I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 17:48:19 GMT

I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 19:11:18 GMT

There are better ways to prove me wrong!

The Cash+...

Re: I finally did it. CC closures

calyx — Thu, 25 Apr 2019 19:21:44 GMT

@pinkandgrey wrote:
I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.

I want to know how many people's hearts are going to skip a beat when they saw you closed your Cash+

CONGRATS on your personal success/milestone!!!

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 19:41:23 GMT

My heart about stopped when I saw that. 💀 🧟‍♂️

Re: I finally did it. CC closures

calyx — Thu, 25 Apr 2019 19:47:24 GMT

@Anonymous wrote:
My heart about stopped when I saw that. 💀 🧟‍♂️

It's in my nature to laugh when shocked, and I did chuckle out loud when I read it.

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 19:53:46 GMT

@calyx wrote:
@Anonymous wrote:
My heart about stopped when I saw that. 💀 🧟‍♂️
It's in my nature to laugh when shocked, and I did chuckle out loud when I read it.

🤣

I probably made an audible gasp. Had I been around people, I probably would have drawn some attention and upon explanation of my gasp, some funny looks for caring that much about a credit card.

Re: I finally did it. CC closures

SoCalifornia — Thu, 25 Apr 2019 20:09:46 GMT

Well- now that's refreshing
Like, cannonball into a crisp ice cold pool on a 114° California summer day, refreshing.

CC closure takes some cajones.

Re: I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 20:29:03 GMT

@calyx wrote:
@pinkandgrey wrote:
I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.
I want to know how many people's hearts are going to skip a beat when they saw you closed your Cash+

CONGRATS on your personal success/milestone!!!

Wow, I had no idea the Cash+ meant so much to people lol Is it just because of my crazy approval story? Or is there some unwritten rule about shunning US Bank....am I going to wake up with a shredded credit card in my bed.....

Re: I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 20:30:04 GMT

@SoCalifornia wrote:
Well- now that's refreshing
Like, cannonball into a crisp ice cold pool on a 114° California summer day, refreshing.

CC closure takes some cajones.

😂😂😂

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 20:37:38 GMT

@pinkandgrey wrote:
@calyx wrote:
@pinkandgrey wrote:
I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.
I want to know how many people's hearts are going to skip a beat when they saw you closed your Cash+

CONGRATS on your personal success/milestone!!!
Wow, I had no idea the Cash+ meant so much to people lol Is it just because of my crazy approval story? Or is there some unwritten rule about shunning US Bank....am I going to wake up with a shredded credit card in my bed.....

It’s like THE goal card for many people here. There aren’t many options for cash back from utilities and you just dropped the two best ones!

As long as you’re happy, that’s all that counts. You have more cajones than me apparently because I can’t even bring myself to get rid of my SSFCU card.

I want to hit that $100K in TLs. Just cause. 🤷‍♂️

Re: I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 20:48:47 GMT

@Anonymous wrote:
@pinkandgrey wrote:
@calyx wrote:
@pinkandgrey wrote:
I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.
I want to know how many people's hearts are going to skip a beat when they saw you closed your Cash+

CONGRATS on your personal success/milestone!!!
Wow, I had no idea the Cash+ meant so much to people lol Is it just because of my crazy approval story? Or is there some unwritten rule about shunning US Bank....am I going to wake up with a shredded credit card in my bed.....
It’s like THE goal card for many people here. There aren’t many options for cash back from utilities and you just dropped the two best ones!

As long as you’re happy, that’s all that counts. You have more cajones than me apparently because I can’t even bring myself to get rid of my SSFCU card.

I want to hit that $100K in TLs. Just cause. 🤷‍♂️

It would be amazing if we could transfer credit cards. Call up US Bank and vouch for you to take my card and limit lol.

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 20:55:38 GMT

@pinkandgrey wrote:
@Anonymous wrote:
@pinkandgrey wrote:
@calyx wrote:
@pinkandgrey wrote:
I finally bit the bullet and closed out 3 cards. No, I’m not concerned with AAoA, utilization, etc. (These cards were young and low limit anyway.) I have been wanting simplicity for awhile now. I was getting tired of taking forever to decide which card to use for what.

I closed my SavorOne, BBVA Clearpoints, and my US Bank Cash+. Yes, I know those were quite recent acquisitions for me, but like I said, I’m not going to worry about the small stuff.

Now my card catalogue consists of my Disco, my Amex, and my Citi DC. My so-desired 3 card life has been achieved.

Maybe I did it just to prove Saeren wrong lol but I seriously feel pretty relieved and happy about this.

And no, I’m not planning on replacing those closed cards. I really wanted to have only 3, and it’s not worth the headache to have more. Even the upcoming Apple Card will not grace my wallet. I really want to grow my DC, so no new accounts for me.
I want to know how many people's hearts are going to skip a beat when they saw you closed your Cash+

CONGRATS on your personal success/milestone!!!
Wow, I had no idea the Cash+ meant so much to people lol Is it just because of my crazy approval story? Or is there some unwritten rule about shunning US Bank....am I going to wake up with a shredded credit card in my bed.....
It’s like THE goal card for many people here. There aren’t many options for cash back from utilities and you just dropped the two best ones!

As long as you’re happy, that’s all that counts. You have more cajones than me apparently because I can’t even bring myself to get rid of my SSFCU card.

I want to hit that $100K in TLs. Just cause. 🤷‍♂️
It would be amazing if we could transfer credit cards. Call up US Bank and vouch for you to take my card and limit lol.

😂

Part of the fun for me is the thrill of the chase. I will get my own Cash+. It may not happen right away but I will get it eventually. BBVA has 0% until January so if I don’t get approved this summer, maybe I’ll behave and stay in the garden until February of next year when it’s been a year since my last app.

...

We both know that’s not realistic but I can try. 😂

Re: I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 20:59:56 GMT

@Anonymous wrote:
@pinkandgrey wrote:
It would be amazing if we could transfer credit cards. Call up US Bank and vouch for you to take my card and limit lol.
😂

Part of the fun for me is the thrill of the chase. I will get my own Cash+. It may not happen right away but I will get it eventually. BBVA has 0% until January so if I don’t get approved this summer, maybe I’ll behave and stay in the garden until February of next year when it’s been a year since my last app.

...

We both know that’s not realistic but I can try. 😂

A full year. That’s restraint lol. Who knows? Maybe you’ll get denied/approved for it like I did 😂😂

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 21:08:32 GMT

We will see what happens. I’m honestly getting to the point that I am finally happy with what I have. The Cash+ would be nice but it’s only an extra $48 a year. I can save that by cutting $4 a month from my food budget if I really want it.

But I don’t have a VISA Signature and I burned US Bank so personal goals and all.

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 22:23:36 GMT

You have to make these cards work for you, and if they aren’t working for you, CUT THEM.

I think a lot of people, including myself, on this forum are in the beginning or the middle of their credit journey of where they want to be. It’s jarring to a lot of us as we could never considering cutting some off.

Essentially, for most of us, this is a kind of a game. Get your character to the highest level. Once you are at the highest level, you don’t need that sword or shield that you got in the first hour of the game, but it got you to where you are now.

Re: I finally did it. CC closures

pinkandgrey — Thu, 25 Apr 2019 22:45:32 GMT

@Anonymous wrote:
You have to make these cards work for you, and if they aren’t working for you, CUT THEM.

I think a lot of people, including myself, on this forum are in the beginning or the middle of their credit journey of where they want to be. It’s jarring to a lot of us as we could never considering cutting some off.

Essentially, for most of us, this is a kind of a game. Get your character to the highest level. Once you are at the highest level, you don’t need that sword or shield that you got in the first hour of the game, but it got you to where you are now.

An apt metaphor lol I like it! I see you’re also a 3-carder too, assuming your sig is right

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 23:09:25 GMT

I am at three now but I want just a couple more right now. My CLs aren’t enough to buy a new Honda Civic like yours, so I still got some growing to do. Once I get my disco to 17.2k like yours, then I would consider doing the same as you

Re: I finally did it. CC closures

Anonymous — Thu, 25 Apr 2019 23:38:45 GMT

@Anonymous wrote:
You have to make these cards work for you, and if they aren’t working for you, CUT THEM.

I think a lot of people, including myself, on this forum are in the beginning or the middle of their credit journey of where they want to be. It’s jarring to a lot of us as we could never considering cutting some off.

Essentially, for most of us, this is a kind of a game. Get your character to the highest level. Once you are at the highest level, you don’t need that sword or shield that you got in the first hour of the game, but it got you to where you are now.

I’m the guy who keeps the equipment he started with unless selling it is absolutely necessary to purchase stronger equipment or my inventory gets full.

I think my problem is that it’s just too much work to make the calls and close accounts. 🤷‍♂️

Re: I finally did it. CC closures

pinkandgrey — Fri, 26 Apr 2019 00:03:52 GMT

@Anonymous wrote:
I am at three now but I want just a couple more right now. My CLs aren’t enough to buy a new Honda Civic like yours, so I still got some growing to do. Once I get my disco to 17.2k like yours, then I would consider doing the same as you

Or a new Kia Rio. My car of choice.

Re: I finally did it. CC closures

Anonymous — Fri, 26 Apr 2019 07:52:25 GMT

pinkandgrey ... congrats! Also, you may experience card withdrawal so resist the temptation as you kicked some good cards to the side. Again, nice work and now you can help me loose some more cards. Cut eight cards a couple of years ago and lost some credit limits but, it got to be too much and I do not have the spend or need!