Card closing spree and update in my journey.

[ilovelisa]

I really need to update my signature but I did it through Publisher so it takes many steps to do it.

I decided that having 14 cards was just too many for my to manage and since the majority are Visas, I thought do I really need that many. Today I closed:

Cabela's: $5000: offered pretty much nothing unless you shop often there.

Duck Card $2500: Very rarely used and sat in sock drawer for most of the time.

Capital One VentureOne: $10000: did not use it that often and I have much better reward cards.

Dillard's Amex: $7500: they irritated me today because I logged in and apparently half of my reward points expired.

I called Chase to close my freedom account and they transferred me to a retention supervisor. He offered $50 in rewards for me to keep the card, I decided to take that. I really would have regretted that one.

I also called Bank of America to ask them to lower my APR, they did! It went from 21% to 14%. I also requested a CLI to $15000 online. I got the 7-10 message. I logged in today and they did do a CLI to $10000.

So now my current cards are:

Amex BCE:4,800

BofA Power Rewards WMC: $10000

Chase Freedom:$10000

Chase Marriott Premier:$5000

DCU:$1000

Discover IT:$1900

Elan card from local bank:$9000

Local CU card:$3500

PenFed Platinum Rewards VS:$5000

Sallie Mae:$8000

Anyway if you read this, thanks for reading!

I just want to let somebody know, because everyone that I know is not at all interested in credit cards! lol

[Anonymous]

Totally get it. No one I know is even interested in their credit profile. Its nice to come here and talk to people who understand 

[B335is]

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@ilovelisa wrote:

I really need to update my signature but I did it through Publisher so it takes many steps to do it.

I decided that having 14 cards was just too many for my to manage and since the majority are Visas, I thought do I really need that many. Today I closed:

Cabela's: $5000: offered pretty much nothing unless you shop often there.

Duck Card $2500: Very rarely used and sat in sock drawer for most of the time.

Capital One VentureOne: $10000: did not use it that often and I have much better reward cards.

Dillard's Amex: $7500: they irritated me today because I logged in and apparently half of my reward points expired.

I called Chase to close my freedom account and they transferred me to a retention supervisor. He offered $50 in rewards for me to keep the card, I decided to take that. I really would have regretted that one.

I also called Bank of America to ask them to lower my APR, they did! It went from 21% to 14%. I also requested a CLI to $15000 online. I got the 7-10 message. I logged in today and they did do a CLI to $10000.

So now my current cards are:

Amex BCE:4,800

BofA Power Rewards WMC: $10000

Chase Freedom:$10000

Chase Marriott Premier:$5000

DCU:$1000

Discover IT:$1900

Elan card from local bank:$9000

Local CU card:$3500

PenFed Platinum Rewards VS:$5000

Sallie Mae:$8000

Anyway if you read this, thanks for reading!

I just want to let somebody know, because everyone that I know is not at all interested in credit cards! lol

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Peace out Duck card!!  Why were you considering closing the Freedom card?

[ilovelisa]

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@Anonymous wrote:

Totally get it. No one I know is even interested in their credit profile. Its nice to come here and talk to people who understand 

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When I ask people I know if they have a credit card, they usually say: " No, I don't and I never will, I just use my debit card." All I can think of is: "What if you have an emergency and need to spend more money than what is in your checking?" But, whatever, I have this forum that I can read where people are interested in credit.

[ilovelisa]

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@B335is wrote:

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@ilovelisa wrote:

I really need to update my signature but I did it through Publisher so it takes many steps to do it.

I decided that having 14 cards was just too many for my to manage and since the majority are Visas, I thought do I really need that many. Today I closed:

Cabela's: $5000: offered pretty much nothing unless you shop often there.

Duck Card $2500: Very rarely used and sat in sock drawer for most of the time.

Capital One VentureOne: $10000: did not use it that often and I have much better reward cards.

Dillard's Amex: $7500: they irritated me today because I logged in and apparently half of my reward points expired.

I called Chase to close my freedom account and they transferred me to a retention supervisor. He offered $50 in rewards for me to keep the card, I decided to take that. I really would have regretted that one.

I also called Bank of America to ask them to lower my APR, they did! It went from 21% to 14%. I also requested a CLI to $15000 online. I got the 7-10 message. I logged in today and they did do a CLI to $10000.

So now my current cards are:

Amex BCE:4,800

BofA Power Rewards WMC: $10000

Chase Freedom:$10000

Chase Marriott Premier:$5000

DCU:$1000

Discover IT:$1900

Elan card from local bank:$9000

Local CU card:$3500

PenFed Platinum Rewards VS:$5000

Sallie Mae:$8000

Anyway if you read this, thanks for reading!

I just want to let somebody know, because everyone that I know is not at all interested in credit cards! lol

---

Peace out Duck card!!  Why were you considering closing the Freedom card?

---

I was just thinking that I have Discover and Sallie Mae, both of which offer similar rewards. I was also just trying to get the number of Visa cards that I have down. Plus the Freedom has a 23% APR, but I never carry a balance.  I am really glad now that I didn't because I think I would have missed it.

[Anonymous]

Nice trim job and cli! I don't think I could have passed up the $50 either. The freedom is a good card imo 

[B335is]

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@ilovelisa wrote:

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@B335is wrote:

---

@ilovelisa wrote:

I really need to update my signature but I did it through Publisher so it takes many steps to do it.

I decided that having 14 cards was just too many for my to manage and since the majority are Visas, I thought do I really need that many. Today I closed:

Cabela's: $5000: offered pretty much nothing unless you shop often there.

Duck Card $2500: Very rarely used and sat in sock drawer for most of the time.

Capital One VentureOne: $10000: did not use it that often and I have much better reward cards.

Dillard's Amex: $7500: they irritated me today because I logged in and apparently half of my reward points expired.

I called Chase to close my freedom account and they transferred me to a retention supervisor. He offered $50 in rewards for me to keep the card, I decided to take that. I really would have regretted that one.

I also called Bank of America to ask them to lower my APR, they did! It went from 21% to 14%. I also requested a CLI to $15000 online. I got the 7-10 message. I logged in today and they did do a CLI to $10000.

So now my current cards are:

Amex BCE:4,800

BofA Power Rewards WMC: $10000

Chase Freedom:$10000

Chase Marriott Premier:$5000

DCU:$1000

Discover IT:$1900

Elan card from local bank:$9000

Local CU card:$3500

PenFed Platinum Rewards VS:$5000

Sallie Mae:$8000

Anyway if you read this, thanks for reading!

I just want to let somebody know, because everyone that I know is not at all interested in credit cards! lol

---

Peace out Duck card!!  Why were you considering closing the Freedom card?

---

I was just thinking that I have Discover and Sallie Mae, both of which offer similar rewards. I was also just trying to get the number of Visa cards that I have down. Plus the Freedom has a 23% APR, but I never carry a balance.  I am really glad now that I didn't because I think I would have missed it.

---

Did you mention the APR to the retention specialist?  Just curious if they have any pull when it comes to adjusting it.

[ilovelisa]

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@B335is wrote:

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@ilovelisa wrote:

---

@B335is wrote:

---

@ilovelisa wrote:

I really need to update my signature but I did it through Publisher so it takes many steps to do it.

I decided that having 14 cards was just too many for my to manage and since the majority are Visas, I thought do I really need that many. Today I closed:

Cabela's: $5000: offered pretty much nothing unless you shop often there.

Duck Card $2500: Very rarely used and sat in sock drawer for most of the time.

Capital One VentureOne: $10000: did not use it that often and I have much better reward cards.

Dillard's Amex: $7500: they irritated me today because I logged in and apparently half of my reward points expired.

I called Chase to close my freedom account and they transferred me to a retention supervisor. He offered $50 in rewards for me to keep the card, I decided to take that. I really would have regretted that one.

I also called Bank of America to ask them to lower my APR, they did! It went from 21% to 14%. I also requested a CLI to $15000 online. I got the 7-10 message. I logged in today and they did do a CLI to $10000.

So now my current cards are:

Amex BCE:4,800

BofA Power Rewards WMC: $10000

Chase Freedom:$10000

Chase Marriott Premier:$5000

DCU:$1000

Discover IT:$1900

Elan card from local bank:$9000

Local CU card:$3500

PenFed Platinum Rewards VS:$5000

Sallie Mae:$8000

Anyway if you read this, thanks for reading!

I just want to let somebody know, because everyone that I know is not at all interested in credit cards! lol

---

Peace out Duck card!!  Why were you considering closing the Freedom card?

---

I was just thinking that I have Discover and Sallie Mae, both of which offer similar rewards. I was also just trying to get the number of Visa cards that I have down. Plus the Freedom has a 23% APR, but I never carry a balance.  I am really glad now that I didn't because I think I would have missed it.

---

Did you mention the APR to the retention specialist?  Just curious if they have any pull when it comes to adjusting it.

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No, I thought of that right after I hung up.

[09Lexie]

WooHoo! Good job! You know I was a little worried about you last year but it appears you have done well. 

[ilovelisa]

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@09Lexie wrote:

WooHoo! Good job! You know I was a little worried about you last year but it appears you have done well. 

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Thanks Lexie!!