Re: Remind me why I opened...

youngandcreditwrthy · ‎09-01-2013

Please remind me why I opened that lame Mypoits.com Visa?
Heh. Was no inquiry, but I have no use for that card and the $2500 limit is too low too! Ugh! Lol -.-

staifokuzed · ‎09-01-2013

Sp cli? Or maybe an addict when it comes to loop holes like many of us. But i did read ur closing spree maybe this one be on the list as well. I really don't know the perks of that card and some others may chime in on that.

AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5

myjourney · ‎09-01-2013

@youngandcreditwrthy wrote:
Please remind me why I opened that lame Mypoits.com Visa?
Heh. Was no inquiry, but I have no use for that card and the $2500 limit is too low too! Ugh! Lol -.-

Add it to the dead list young

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?

zerobacan · ‎09-01-2013

mypoints visa?

Maybe you love lowering your AAoA makes you look younger than you are

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.

Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.

Swapmeet · ‎09-01-2013

@youngandcreditwrthy wrote:
Please remind me why I opened that lame Mypoits.com Visa?
Heh. Was no inquiry, but I have no use for that card and the $2500 limit is too low too! Ugh! Lol -.-

Because you are a credit addict....lol just kidding. But seriously, you are.

My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie

BearsAndTurtlesRtheBest · ‎09-01-2013

Lmao! @Swapmeet "lol just kidding. But serioudly, you are" HAHAHAHHA

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

fedxboy · ‎09-01-2013

@youngandcreditwrthy wrote:
Please remind me why I opened that lame Mypoits.com Visa?
Heh. Was no inquiry, but I have no use for that card and the $2500 limit is too low too! Ugh! Lol -.-

Nothing wrong with the MyPointsVisa from Comenity. Considering some of your other cards -- mostly GE backed, this card has a lower APR, 6 months of 0%, 2000 points upon the 2nd purchase, sp cli's, and no Inquiry from a pre-approved pop-up. Points can be redeemed for gift cards from over 75 merchants or even cash back via paypal.

Really not a bad card, considering it's from Comenity Bank.

I have a few cards myself, that I question why I got -- like Macy's Amex, Walmart Discover, eBay MC, or even Comenity Bank Total Rewards Visa

(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs

BearsAndTurtlesRtheBest · ‎09-01-2013

Once you get better cards that offer better rewards your store cards that youve had for quite some years seem to just be taking up space hahha.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

youngandcreditwrthy · ‎09-01-2013

Yeah, all those GECRB are just taking up space lol...
I guess I'll keep it for now. $2500 is just such a low limit. It is actually my lowest now.

Guilty as charges, but I'm changing my ways!

BearsAndTurtlesRtheBest · ‎09-01-2013

Change is good and yeah it wont hurt to keep.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

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