So I'm thinking of dumping some cards....

[BungalowMo]

Not actually closing...just cutting the cards & letting the acct drop off.

Really tired of chase.  Crappy little bumps in limits.  Not to mention they make ya call to get an increase. 

Lordy, we're not in the stone age.  Give me a LUV button!

Had both cards a while & they're both still under $5k.

My total card limit out of 15 is 185k! 

Might have to dump Citi too.  Same nonsense...hit the button...denied.

[Anonymous]

I can understand dumping you limit cards. What are you looking for in your next cc? Rewards, high limits, cash back etc

[BungalowMo]

I'm not really looking for anything new.

I currently have a fairly sweet group that's serving me well:

Navy Fed Plat:     25k

Navy Fed Go:       10k

AMEX BCP:          22,700

Care Credit:         18k

Discover IT:         18k

Lowes:                 18k

Nationwide Visa: 19,872  (I know...odd limit!)

TJ Maxx:               10k

NRA Visa:             13k

Sleep Number:       8k

Time to dump the dogs!!

[wasCB14]

If big limits and/or no-hassle CLIs matter most, then those are ideal candidates for closure.

Maybe your priorities will change and the cards will be appealing in the future...but, otherwise, it's better to just close the accounts than to stop using them and let them die from inactivity. Why bother to monitor an account that serves no use?

[Anonymous]

ah  my bad I must have read into that wrong. Yea if you are looking to cut ties with the turds of the group of cards you have those would be them.

[Anonymous]

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@BungalowMo wrote:

I'm not really looking for anything new.

 Nationwide Visa: 19,872  (I know...odd limit!)

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That would send my OCD into overdrive lol 😂 

[BungalowMo]

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@Anonymous wrote:

ah  my bad I must have read into that wrong. Yea if you are looking to cut ties with the turds of the group of cards you have those would be them.

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Yea...I'm thinking so too!

@Anonymous wrote:

@BungalowMo wrote:

I'm not really looking for anything new.

 Nationwide Visa: 19,872  (I know...odd limit!)

That would send my OCD into overdrive lol 😂 

I know!!!  LOL.  I don't get it!!! 

[atarvuzdar]

Your scores are great and your non-Chase/Citi lineup far exceeds them. Makes sense to me unless the rewards for use on any of them are better than your other cards.

[longtimelurker]

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@atarvuzdar wrote:

Your scores are great and your non-Chase/Citi lineup far exceeds them. Makes sense to me unless the rewards for use on any of them are better than your other cards.

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Yes, IMO it's really only the rewards that matter.   A high CL is worth approximately 0 (at best the time saved at having to pay off a heavily used low limit card frequently).   I don't know which Chase cards  you have, but for Freedom, a $1,500 CL is all you need to max out the rewards in a month.   If the card is useless (perhaps the Slate) then fine, but I would never look soley at the CL to decide whether to keep a card, my 5x Citi forward had a CL 1/10th of my highest card, but was still very useful.

[xenon3030]

Chase has some no AF CCs with good cashback like Amazon (5%), Freedom (5% categories/quarter) or Freedom Unlimited (1.5%). As soon as the CL is above ~2k and PIF each month, possibly they are fine. If your CCs are eligible to PC, you might want to consider these CCs.

Freedom has 5% cashback in this quarter on Android Pay