Should I drop my Orchard?

[Repo-ed]

They refund the AF if you close within 30 days.

They offered a LOT of stuff to me, in hopes of saving me, to include cash back on purchases and waive of AF.  I cancelled them, because they couldn't guarantee a SP or even being able to match my secured Cap 1 CL of 1k.

So I closed it.

[iMacDrew]

NICE! you very well possibly get a discover, i suggest try the walmart discover card that tells you your TU FICO score!

[Anonymous]

Don't worry about closing the card. From my understanding, the card will continue to report for 10 years. The only potential issue would be UTIL if you carry balances.

[Anonymous]

Yeah I am going to close it tomorrow, I just got the Walmart store card with 600CL and no AF so I'm happy to finally be leaving the Orchard!

[Revelate]

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@Anonymous wrote:
Yeah I am going to close it tomorrow, I just got the Walmart store card with 600CL and no AF so I'm happy to finally be leaving the Orchard!

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That's what I'd do, Orchard served it's purpose for you.  Somewhat OT, but can you tell me what your credit profile / scores were like when you were approved for the CSP / Chase Disney cards that are in your signature line?

[Smug]

Dump it, I just dumped 7 cards this week and I am happy I did!