Keep or Close??

[WhiteCollar]

I have the Amazon Chase Visa (opened 7/2022) and the Synchrony Amazon Store Card (opened 8/2020). Lately, I've been thinking of closing the store card version. The Chase version has a much higher limit and I know Synchrony can and will close accounts and cut limits at any given time for no reason. 

Thoughts??

[FireMedic1]

Rare Sync closes just 1 card. I go by if it isnt broken dont fix it. Helps your file and history.

[Horseshoez]

I agree with @FireMedic1.

I've updated the subject and recommend option 3, "Sock Drawer".

[SouthJamaica]

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@WhiteCollar wrote:

I have the Amazon Chase Visa (opened 7/2022) and the Synchrony Amazon Store Card (opened 8/2020). Lately, I've been thinking of closing the store card version. The Chase version has a much higher limit and I know Synchrony can and will close accounts and cut limits at any given time for no reason. 

Thoughts??

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I agree with @FireMedic1 Keep both. (Unless it bothers you how Synchrony reports balances).

[zerofire]

Are those the only cards you have or are there more? If that is it then it might be prudent to keep both open to have a crutch for newer accounts. If you have other cards then closing the Synchrony Amazon Prime account might make your life easier because those accounts take a lot of energy to service, I find.

[NoMoreE46]

I closed my Sync Amazon Store card a few months after getting my Chase Amazon Prime.  I closed it mainly because I wanted to reduce my exposure ($45,000) in anticipation of apping for another Sync card.     

Do you have a lot of cards or exposure with Sync?   

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@zerofire wrote:

Are those the only cards you have or are there more? If that is it then it might be prudent to keep both open to have a crutch for newer accounts. If you have other cards then closing the Synchrony Amazon Prime account might make your life easier because those accounts take a lot of energy to service, I find.

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[Creditwiser]

Leave it alone for history and every now and then , swipe it. 

[WhiteCollar]

Oh no, I have dozens cards. Lol! I'll just keep it and use it at least every other month. 

[redpat]

Close the card.  Redundant card so there is no reason for it and it's a store card on top of it, adios amigos.....see you later tater......sync.

[NoMoreE46]

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@WhiteCollar wrote:

Oh no, I have dozens cards. Lol! I'll just keep it and use it at least every other month. 

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So do you really have like 12 or more Sync cards?