Before you app think... Have you done your research of the CC? Does it fit your spending? Do you have a plan for the bonus w/o going into debt? Can you afford the AF? Do you know the cards benefits? Is it worth the HP?
I'm dealing with them reporting mine still open and with a $79 balance too. I closed it in September when they wouldn't wave the AF or give me a CLI. It was stuck at $500 and my Amex was $6k and my Freedom was 3k. SEE YA! Felt good.
It sucks the first cards we get are the ones more likely to screw us and be a PITA.
Congrats! I have one with a $1100 CL. It is my oldest card...almost 4 years old. I'm waiting for the Cap1 transition to finalize to see what replacement card I get and whether or not it will grow with me. Just this past Jan, I was approved for the Chase Freedom and it finally replaced the Orchard card. I need two everyday cards and I rotate them throughout the month...the Freedom and Cap1 Cash Rewards. So it is nice to now have two rewards cards to rotate instead of one dud and one rewards card.
