- Barclay Rewards MC. Got it to build a relationship with them in hopes for the Arrival+. Not only do I not want the Arrival+ anymore, barclays has also been stingy with the CLI's. So screw em.
- Would love to close out my CapOne VentureOne, but as it's a no AF card, and my oldest, that would be stupid.
- Will most likely close Citi ThankYou Preferred too
@creditFiend wrote:
I've closed my only store card I received via SCT. I do not use, or care to use anymore. Closed Barclays Rewards, & today my Amex Green which took an hour to close bc the MR customer care person canceled ALL my Amex cards! She then had to put me on hold to figure out how to reactivate my EDP & Platinum. After hanging up, I logged in to discover my MR points were missing. I had to do an online chat to resolve that.
Anyways, no other closures planned at the moment.
GADS ... with help from AX Reps you could be out of business 
Glad they were able to reinstate/fix the error!
The plan so far...
- By the end of the year, I'd like to close my secured card. It's my oldest CC, but I feel like it has outlived its purpose since I have two unsecured Cap1 cards. I'll probably close it before the AF hits (in November I believe).
- I'd like to trim down the store cards that I got via the SCT. I went a little wild. I'll keep J. Crew, but Buckle and Overstock are on the chopping block. VS is safe because it's an old card that Comenity reopened after closing it. And I use it quite a bit.
- Fingerhut is gone as soon as it's paid off and I hit the one year mark. Or just permanently SD.
I identified 3 cards on the chopping block for this year, though I may wait til Feb 2015 when they've all gotten to at least 3 years payment history:
- Walmart, rarely shop there and I have a plethora of TU 08 FICO's available now, and their not generating a statement without a balance is really beginning to irk me
- A USAA basic no frills card, it's a tradeline farm which I'm starting to think I don't need. Not known for their CC's and all my insurance and a secured loan are through them so not needed from any future relationship perspective either. I can't even find what to put on the card to keep it active in my financial life, maybe see if I can do a $1 recurring donation to the local public radio station like the $10 I do on my Zync, or split 5/5 that'd work.
- DCU secured card: would replace this with a regular no-rewards card from DCU or Logix and hope for a 15K+ tradeline if I ever wind up in the situation of floating a balance or being homeless. Not certain how feasible this is as I still have 3 non-trivial derogatories from 2010, all paid, but I'm nowhere close to excellent credit and that sometimes shows up in their approval data.
@Revelate wrote:...see if I can do a $1 recurring donation...
Why have I never thought of doing this with my SD'd cards?
Really makes me rethink closing any cards. Throw a small monthly donation to a charity on any cards I don't use, set to PIF, bam, win win.