@SecretAzure wrote:Question: I heard of many people keeping a balance on the Wayfair card to have it reporting as active for a longer period of time. Should we do the same?
My question from earlier in the thread got lost so I'll ask my question again. 
This is my newest card and hit 2 years yesterday, I guess to congratulate me on the hard pull leaving my report they decided to close it. 
Is it helpful to keep a balance on this card to space out the closure date? And if so, what are the pros and cons of doing so?
Must garden until 2/1/2022 to hit my goal AAOA. 
@SecretAzure wrote:
@SecretAzure wrote:Question: I heard of many people keeping a balance on the Wayfair card to have it reporting as active for a longer period of time. Should we do the same?
My question from earlier in the thread got lost so I'll ask my question again.
Is it helpful to keep a balance on this card to space out the closure date? And if so, what are the pros and cons of doing so?
There's no point unless you're trying to space out AAoA for future card closures. It will still report for about 10 years.
Yeah, I was intending to space out a closure but I didn't realize that the last closure I had was from mid-2017. The last couple of years have been a blur to me. This probably won't have any effect on things for me in the long run.
Thank you for your help!
I'll go sit in my corner and celebrate my Garden Diamond now!
It's nice when the card you're considering closing is the one that closes. No more balancing a small charge on yet another card that is no longer very useful!
Just from watching the forums for as long as I have......it always seems like Synchrony and Commenity do this. I have paid attention over the years and have intentionally avoided both lender families specifically for this reason. (I still got bit by Barclay Uber when they nerfed to Uber pts, but that's another scar from a story long gone.)
Why don't people just avoid these lenders? Their patterns and history speak for themselves.
On Deck: No Plans Currently
@Taurus22 wrote:Just from watching the forums for as long as I have......it always seems like Synchrony and Commenity do this. I have paid attention over the years and have intentionally avoided both lender families specifically for this reason. (I still got bit by Barclay Uber when they nerfed to Uber pts, but that's another scar from a story long gone.)
Why don't people just avoid these lenders? Their patterns and history speak for themselves.
These 2 banks you have mentioned here have the bulk of their business based on affinity cards and they are 2 of 3 biggest issuers of affinity cards in the country, the third is Elan Financial. So if you are going to want an affinity card with a name brand you most likely are going to be dealing with one of these 2 issuers. Barclays is a neophyte compared to these other 3 and they never seem to be able to gain traction in the US market.
@Anonymous wrote:
@Andypanda wrote:
@credit_is_crack wrote:I Knew It! My gut never steers me wrong. So looks like the Marvel card is closing on 05/27...be on the lookout for the emails. Now I don't feel bad, at all, about skimming that recent CLI from them lol
Intrestung, within a month both the marvel and DC power visa card are being closed.
I'm still salty I never got my Wonder Woman card. 😔
Ditto. 👎👎
So I just called over the phone and closed it out. Took 2 min tops. It still let me do it in the automated system and it reflected online pretty instantly. This takes me down to zero sync cards.
Sorry to see it go but so long my Marvel card.
@credit_is_crack wrote:So I just called over the phone and closed it out. Took 2 min tops. It still let me do it in the automated system and it reflected online pretty instantly. This takes me down to zero sync cards.
Sorry to see it go but so long my Marvel card.
Yeah I'm gonna call next month after I do my US Bank app. Axing Marvel and Target before they get closed and I get my first "closed by grantor" remarks 
@Anonymous wrote:
@credit_is_crack wrote:So I just called over the phone and closed it out. Took 2 min tops. It still let me do it in the automated system and it reflected online pretty instantly. This takes me down to zero sync cards.
Sorry to see it go but so long my Marvel card.
Yeah I'm gonna call next month after I do my US Bank app. Axing Marvel and Target before they get closed and I get my first "closed by grantor" remarks
The closed by grantor means diddly-squat.
Take it from someone who's obtained many lines with that statement showing active on my CRs.
