Closed Jcrew - RIP

[FinStar]

Yes kdm, just a matter of personal preference for CreditCuriosity. Just like your psychological association with your APR and Capital One.

[CreditCuriosity]

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@kdm31091 wrote:

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@CreditCuriousity wrote:

Up in air of closing Delta Airlines tonight hit a year this or last month and possibly US Bank..  Low laying fruits are getting my wrath..  Well JCREW wasn't low limit, just a store card..  When I can earn alot better rewards on major cc's

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US Bank still won't upgrade you to a cash+? Haven't you had the cash non-plus version for awhile?

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Won't give them the honor of the HP KDM.. A matter of principle for me as they hold a considerable amount of my money and going to lose me as a customer.  Its just business on both sides.. Simple as that.. Sure they woud upgrade it, but a little to little to late if I was to take said HP.

Lets just say a penfed savings/checking acocunt was opened today as well..  I am done playing around and wasn't idle talk that I was saying absout moving my direct deposit and savings .. I am done with big banks and rather have a CU to deal with for my banking needs.

[kdm31091]

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@FinStar wrote:
Yes kdm, just a matter of personal preference for CreditCuriosity. Just like your psychological association with your APR and Capital One.

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I was just confused as to why ask for a CLI to immediately close a card. It's not an insult or anything. It just seemed counterproductive to me, so I was curious what the reason was. You're right - we all have our preferences and that's fine!

[Anonymous]

I had not been in a J Crew store in a decade.  Got my card and went to a Factory Outlet and could not believe blue jeans were $125 a pair.  They and Banana Republic were super cool stores in the 90s.  Funny thing is, I buy more stuff from Old Navy and don't even have a card for that store.  I have bought my nephew 21 new shirts and a new pair of Nikes.  I hook him up several times a year as a high school student.  10 Old Navy shirts were $64 with free shipping.  Every time I would go the Gap, J Crew and Banana Republic, I headed straight for the clearance racks.  Got my J Crew card up to $8,800 and keep it for utilization.  I hear the company has financial issues though.  I don't really care about clothes any longer.  I am a boring 44 YO who wears khaki shorts and button down Columbia shirts all year.

[CreditJim]

I shop in J. Crew (mostly the factory outlet or J. Crew Mercantile) but I'm also thinking about closing my card. My problem with it is how quickly the rewards expire. I just don't shop there often enough to earn a reward before some of my points expire... I'm always chasing the minimum redemption. I'd be better off just using another credit card.

[ddemari]

Cc now you got access America checking and share with penfed? Did they have any offers for you upon sign up? I forgot if they do that, as they had no offers for me back in the day but gave me offers down the road. I love penfed. When u want that extra big credit limit, travel rewards Amex. J crew served its purpose for u, u got the limit u wanted and said good bye, I get the ritual with it lol.

[CreditCuriosity]

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@ddemari wrote:
Cc now you got access America checking and share withpenfed? Did they have any offers for you upon sign up? I forgot if they do that, as they had no offers for me back in the day but gave me offers down the road. I lovepenfed. When u want that extra big credit limit, travel rewardsAmex. J crew served its purpose for u, u got the limit u wanted and said good bye, I get the ritual with itlol.

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Let just say pending.. Fingers are crossed.. Was in loan officer for review now in pending whatever that means.. We shall see as I have alot of EQ inquiries.. I think they will at least throw me a 5k bone due to income and low utilization.  I just put $100 savings and of course did the other thing.. See how it plays out, was instant but I assume the might be giving me a call tomorrow as it seemed to pass the waiting for review to pending whatever that means to you penfed people... One more application and that is the Ritz and I am done for the year.. Hope the penfed pans out as I still am a bit dirty on EQ, but some risks are worth taking and sick of normal banks.. Hoping they just wanna talk or POI or something..Only think I am worried about is the 14 EQ inquires 12 or whatever from this year and a slew of new accounts..

[ddemari]

14 on EQ is not bad. As for I had 30-35 when I was instantly approved for 17.5k. I think you got it, I feel like they don't know you well enough to give you instant but the loan officer review thing can go either way. Last year i would get that message and it ended up in decline but from what I am raiding this year, the loan officer thing is more postive. Check back tomorrow and you should have you answer. Fingers crossed!

[CreditCuriosity]

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@ddemari wrote:
14 on EQ is not bad. As for I had 30-35 when I was instantly approved for 17.5k. I think you got it, I feel like they don't know you well enough to give you instant but the loan officer review thing can go either way. Last year i would get that message and it ended up in decline but from what I am raiding this year, the loan officer thing is more postive. Check back tomorrow and you should have you answer. Fingers crossed!

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Ya not much to lose honestly... It was in loan officer review -> pending...   So it made it one step.. Would it say denied if denied?  Deffinetly a different message than original status after an hour or so being pending.

[Anonymous]

Good for you!