Simplifying My Lineup

[Anonymous]

Closing your oldest card is fine provided that you are committed to keeping a few others open for a period of time longer than you might want to. By the time the oldest falls off your report, you have others that have aged 10 additional years, filling in the gap in AAoA left when it falls off your report.

You want more than one card kept open in case one is closed by grantor for some reason.

[Ragdollkitty]

I get the desire for simplicity but I don't find it that difficult to charge part of a phone bill or cable bill or add $0.51-$2 to Amazon on all my cards once every 5-6 months if they are not store cards.  I'd keep any major cards open. I'd close store cards unless I shopped there regularly or it was easy to make a small charge there.

The only card that got closed for mew a Marathon gas card. I put a gallon of gas every six months but Comenity finally closed it after 5 months one time. I should have just closed that myself as it was annoying to use because other gas stations were always cheaper.

I have a bunch of older (10+ years old) cards from rebuilding that I don't want to lose but also don't give me any rewards so I use the strategy I gave above for keeping them active.  The most annoying is a low limit Barclays/Juniper card.

[Anonymous]

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@Ragdollkitty wrote:

I get the desire for simplicity but I don't find it that difficult to charge part of a phone bill or cable bill or add $0.51-$2 to Amazon on all my cards once every 5-6 months if they are not store cards.  I'd keep any major cards open. I'd close store cards unless I shopped there regularly or it was easy to make a small charge there.

The only card that got closed for mew a Marathon gas card. I put a gallon of gas every six months but Comenity finally closed it after 5 months one time. I should have just closed that myself as it was annoying to use because other gas stations were always cheaper.

I have a bunch of older (10+ years old) cards from rebuilding that I don't want to lose but also don't give me any rewards so I use the strategy I gave above for keeping them active.  The most annoying is a low limit Barclays/Juniper card.

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Is the Juniper card still a Juniper card or is it a Barclays card now? I used to have one of those. If it is still a Juniper card, it would be like having a $2 bill.

[Anonymous]

"Yes, I'd SD the cards and let them close on their own. "

I do not recommend this at all.

As a UW, I would rather see this:
Account closed by consumer (CBC)

Than this:
Canceled by credit grantor (CBG)