Close Amazon.com Visa

[Chickenpotpie]

If you don't use it, then its time to evaluate its worth.  

like a few, I'm also evaluating this card to see if I should keep it or change it.  And I'm sure someone will tell me I'm nuts considering closing mine as it sits at 9k CL.  I started at 3200 and it grew from there.  I guess they like me   I don't use it as much as I once did, mainly because  Amex and Discover are my go to cards.  I have a visa with a much lower rate + higher limit than the amazon card though its not a points or cash back card (which is fine)

So I'm giving myself a 12-24 month window to decide.  If you're not in a big hurry take some time to decide.  If you just want it out of your wallet...dump it.

[morgacj2004]

I would close it. It will still remain on your bureaus for the next 1 yrs. The Amazon Prime Store Card (Synchrony) is in my opinion a better product. No AF and 5% back. Typically comes with a higher CL than the CHASE product.

[CreditCuriosity]

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@morgacj2004 wrote:

I would close it. It will still remain on your bureaus for the next 1 yrs. The Amazon Prime Store Card (Synchrony) is in my opinion a better product. No AF and 5% back. Typically comes with a higher CL than the CHASE product.

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1 year?  I think you meant 10 years.. Won't hurt you OP to close it as it will remain on your reports for 10 years and by them you should have a nice and thick profile if you don't already and your AAoA should be nice and solid as well by that time

[Anonymous]

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@Anonymous wrote:
I've thought about closing mine but don't want to because of its age! I've had it since 2009 and I know it will affect my AAoA.

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It won't negatively affect your AAoA. It'll continue to positively affect your FICO score for the next 10 years.  

[SunriseEarth]

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@Anonymous wrote:
I've thought about closing mine but don't want to because of its age! I've had it since 2009 and I know it will affect my AAoA.

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Can it be PCed to another Chase product?   

[Anonymous]

You have a decent credit limit. I would app for a new chasee product and move the limit over in case it's weak on your new account. I'm pretty sure Chase does a hard pull when they convert cards just like Barclays… so you might as well apply for something you actually want and then bleed off Amazon to $500 and close.

One other thing if your credit is in good health youll  qualify for a new card that has a bonus.  by changing products you lose the bonus.  that's another thing to think about.  that is why I never converted cards I just got more of them. 

#2015appspreefromhell

[Anonymous]

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@SunriseEarth wrote:

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@Anonymous wrote:
I've thought about closing mine but don't want to because of its age! I've had it since 2009 and I know it will affect my AAoA.

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Can it be PCed to another Chase product?   

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When I tried, the answer was No, even after escalation

[Anonymous]

I wish I can PC it. I've tried like 2 times. No go.