@skigirl916 wrote:No offense, JoshNurse, but you're focused entirely on the wrong thing when it comes to credit.
@JoshNurse wrote:To me an American Express Centrion is a Bugatti. An American Express Platinum is a Ferrari 458. American Express Gold Premium Rewards card would be an Audi S4. Chase Saphire Preffered would be a 2014 BMW 335i M-Sport Edition.
A Capital One Quick sliver feels like cardboard and looks very cheap, I would cringe and get embarrased if I ever used this in public. Capital One Quick Silver is equal to a used 2012 Honda Fit with 58,900 miles and transmission problems.
My question is do I get rid of all the Honda Fit tierd cards in my inventory? Will it hurt my credit?
Only you can make that final decision.
My oldest card is a Cap 1 that was issued to me in the middle of my BK. I suppose it's looked at as a low end card or rebuilder but I don't really give a hoot.
If someone looks down on me for using it then they have a problem; not me. 
@Anonymous wrote:
@skigirl916 wrote:No offense, JoshNurse, but you're focused entirely on the wrong thing when it comes to credit.
I have my FICO 800+ club shirt ready and i will start wearing it proudly when I reach over 800.
@JoshNurse wrote:
@Anonymous wrote:
@skigirl916 wrote:No offense, JoshNurse, but you're focused entirely on the wrong thing when it comes to credit.
I have my FICO 800+ club shirt ready and i will start wearing it proudly when I reach over 800.
You kill me with that...
That's like me concealing a handgun (permitted of course), and then wearing a glock hat and 5.11 Pants. 
I think I will always be a Capital One customer (unless something bad happens on their part). When I get to the point on my credit rebuild when I have the option to close out my rebuilders for better cards, I think capital one will stay in my wallet. Maybe I will close out my CO annual fee cards for CO cards with no annual fees but they have been to good to me in my rebuilding and I have had nothing but great experiences.....of course everyone is different and if you are able to qualify for better cards and don't have the intimate relationship 
like I do with my Cap One cards then I say definitely close them out! You now have bigger and better cards! (I hope to get there one day)
like I do with my Cap One cards then I say definitely close them out! You now have bigger and better cards! (I hope to get there one day)
@MarineVietVet wrote:
@JoshNurse wrote:To me an American Express Centrion is a Bugatti. An American Express Platinum is a Ferrari 458. American Express Gold Premium Rewards card would be an Audi S4. Chase Saphire Preffered would be a 2014 BMW 335i M-Sport Edition.
A Capital One Quick sliver feels like cardboard and looks very cheap, I would cringe and get embarrased if I ever used this in public. Capital One Quick Silver is equal to a used 2012 Honda Fit with 58,900 miles and transmission problems.
My question is do I get rid of all the Honda Fit tierd cards in my inventory? Will it hurt my credit?
Only you can make that final decision.
My oldest card is a Cap 1 that was issued to me in the middle of my BK. I suppose it's looked at as a low end card or rebuilder but I don't really give a hoot.
If someone looks down on me for using it then they have a problem; not me.
+1.
Supposedly, Citi is a "prime" lender, but they don't feel very prime. Cap One is treating me better than they are.
@SunriseEarth wrote:
@MarineVietVet wrote:
@JoshNurse wrote:To me an American Express Centrion is a Bugatti. An American Express Platinum is a Ferrari 458. American Express Gold Premium Rewards card would be an Audi S4. Chase Saphire Preffered would be a 2014 BMW 335i M-Sport Edition.
A Capital One Quick sliver feels like cardboard and looks very cheap, I would cringe and get embarrased if I ever used this in public. Capital One Quick Silver is equal to a used 2012 Honda Fit with 58,900 miles and transmission problems.
My question is do I get rid of all the Honda Fit tierd cards in my inventory? Will it hurt my credit?
Only you can make that final decision.
My oldest card is a Cap 1 that was issued to me in the middle of my BK. I suppose it's looked at as a low end card or rebuilder but I don't really give a hoot.
If someone looks down on me for using it then they have a problem; not me.
+1.
Supposedly, Citi is a "prime" lender, but they don't feel very prime. Cap One is treating me better than they are.
Prime and conservative. 
Moved this to Smorgasboard. If anyone actually reads the first post and does NOT think that it needs to be in Smorgasboard, then I'm insane.
To answer JoshNurse's question: only you can decide whether or not you should keep a card open. If you feel like the card is below the standard that you keep for yourself, then by all means close it.
