@wacdenney wrote:
@Anonymous wrote:
Jelly?
Don't I really don't like CCs...
Them plus a young uneducated version of me = troubles!
I really don't like the whole CC game... Needing to prove yourself with a dumb 3 digit number. Promoting spending without having the money in the bank ARG!
Anyway it if wasn't for things like houses I wouldn't even look at CCs.
Only reasons I am applying for cards is to raise CL and lower % use.
Good luck to u! Don't be jelly CC sucks!Trouble when young doesn't have to mean trouble today, and I rarely ever spend anything that I don't already have in the bank. I run everything through my cards for the rewards and I pay in full every month. Usually twice per month with the only exceptions being Christmas and vacation where I might carry a balance for a month or 2.
Planning for a future mortgage is good too, but for me it's all about the rewards. That Sallie Mae card will give you 5% cash back. For me not taking advantage of the cash back seems like throwing money away. I can't even remember the last time I used a debit card.
+1. As a mod emeritus said, CCs are like debit cards with very slow reflexes.
Congrats to OP on Sallie Mae and Amex. You are doing great! CL will increase with time. Now you just need to use your cards responsibly and you will see your scores go up!
4.2K 
10K 
24.6K 
Man I am REALLY tempted!
I really HATE CAP1! Their cards are crappy, both physically and rewards.
I have 2 of those with a combine CL of 1.5k
What are the adverse effect on my Score?
utilization shouldn't be affected since I got better cards to replace them. Maybe I should wait for the new cards to report before giving them a hair cut...
The thing that really worries me is the history, they are my oldest cards.
As far a the Barclay Rewards I will try to combine that with the new Sallie Mae that I got.
I know a member here mentioned it, but can it be done? Has it been done before?
The longer I wait, the heavier those cards feels like in my wallet.
Thanks guys!
I really HATE CAP1! Their cards are crappy, both physically and rewards.
I have 2 of those with a combine CL of 1.5k
What are the adverse effect on my Score?
utilization shouldn't be affected since I got better cards to replace them. Maybe I should wait for the new cards to report before giving them a hair cut...
The thing that really worries me is the history, they are my oldest cards.
As far a the Barclay Rewards I will try to combine that with the new Sallie Mae that I got.
I know a member here mentioned it, but can it be done? Has it been done before?
The longer I wait, the heavier those cards feels like in my wallet.
Thanks guys!
@Anonymous wrote:
Man I am REALLY tempted!
I really HATE CAP1! Their cards are crappy, both physically and rewards.
I have 2 of those with a combine CL of 1.5k
What are the adverse effect on my Score?
utilization shouldn't be affected since I got better cards to replace them. Maybe I should wait for the new cards to report before giving them a hair cut...
The thing that really worries me is the history, they are my oldest cards.
As far a the Barclay Rewards I will try to combine that with the new Sallie Mae that I got.
I know a member here mentioned it, but can it be done? Has it been done before?
The longer I wait, the heavier those cards feels like in my wallet.
Thanks guys!
The biggest danger is untilization. The cards will continue to be factored into your AAoA for 10 years.
My scores actually went up when I closed my Crap1 cards. They aren't worh the hassle to deal with. I vote close em!
@Anonymous wrote:
Man I am REALLY tempted!
I really HATE CAP1! Their cards are crappy, both physically and rewards.
I have 2 of those with a combine CL of 1.5k
What are the adverse effect on my Score?
utilization shouldn't be affected since I got better cards to replace them. Maybe I should wait for the new cards to report before giving them a hair cut...
The thing that really worries me is the history, they are my oldest cards.
As far a the Barclay Rewards I will try to combine that with the new Sallie Mae that I got.
I know a member here mentioned it, but can it be done? Has it been done before?
The longer I wait, the heavier those cards feels like in my wallet.
Thanks guys!
Man i feel your pain with Crap1. 
I don't know what i ever did to them. Never had any of their CC's b4 ever, so never burned them or late them, and have used my GM CC responsibly as heck, PIF, roll Bal a month, run up to almost max then PIF, and still their EO burned & wasted a perfectly good HP for a CLI request for a mere 400 in order to even out the $600 SL to 1000. The old saying about First Impressions? Thank Goodness this is the first Crap1 one CC ever because to put it mildly, they have been anything but reasonable or a lender worthy of both my spend and/or attention anymore. I'll keep it for the FICO purposes for awhile but i never will chance a nother app with them again unless their bought out by a better bank.
@leegreen wrote:
I could be wrong but after Amex gave me a 15k credit limit when other approvals were 1 to 2k I think Amex weighs income more than others. It took me going to the Capone EO to get them to 3k and I have had that card for a while.
IDK. I have an income over 100k and AMEX won't even give me a revolver. They also pull my lowest report so that could be a factor. Although Chase pulled Experian for my Marriott card and still gave me the card.
