@kdm31091 wrote:
@taxi818 wrote:
Me, I have to use some Cash Daily so its not really hard for me to think even if only $2. But now im thinking, How long can i go without using my Credit Cards? Well I will find out, im putting ban on my credit cards and see how long can i go without using. Im not gonna mention my automatic payments or recurring charges. as that is a must, but taking one out of my wallet. this will be my new text for the month of August. As a matter of fact. im not gonna even leave home with a single credit card in my pocket. So this will help. I will just take Debit card for Atm Withdrawal just in case.
Sometimes it's good to take a step back and reevaluate things. You may end up finding you want to close some of them after the experiment.
You are probably Right Kdm. I will see what happens at the end of the month. Declining Balances and no new usage. This is the Goal. I am still not sure the best strategy for closing Down a Credit Card. For sure will keep my oldest. But the ones in between oldest and newest are more than likely on the chopping Block.
First up to Bat. Macys. Amex and store card. I just don't use and am not a fan of all the Different tradelines involved. Club account, Special events. Revolver and Amex. Why 4 accounts with the same damn lender. no thanks. after maybe Total Rewards and a couple others. Even considering the Holy Grail. Amex. gotta go. At least the Green and Pc Delta. I really don't know the fascination but most of us always wanted an Amex. But me when i got one. I find they don't fit my needs. The Charge Card imo. Obsolete. Why force me to pay bill in full. I can use my Debit card and say to hell with you. So whats the point of me using my money with them. Im gonna need help when it comes to closing down accounts and im not sure how it will all affect my fico scores.
