Re: The useless card thread

bigblue7722 · ‎06-07-2014

Fingerhut and PayPal smart connect. Fingerhut prices are way too expensive. I wanted the eBay card not the smart connect

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Kennie02 · ‎06-07-2014

For me it's a $250 CL MC from my credit union. It was nice because I received it w/ no HP and just by opening a checking account. No CLI since 2009 though. Also my Brylane Home card. I got that one via shopping cart trick it haven't used it. Last my CapOne No Hassle Rewards card. The CL is $750 which stinks and my QS will get more use since the rewards are better.

Credit Age:

New Accounts:

Inq (6/12/24M):

Kenny · ‎06-07-2014

DCU & Alliant cards for me. Also City TYP, Diamond Preferred, and Forward are all useless for me. Wal-Mart Discover Delta Gold and Chase Amazon now (though it will continue to have 2% on restaurants when I close my CSP so maybe it's not so useless.)

lol

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Anonymous · ‎06-07-2014

Capital 1 Quicksilver.

Highest interest rate. Lowest limit. Last attempt at a CLI was denied because I don't use the card enough.

chalupaman · ‎06-07-2014

Probably my Old Navy card and I feel that gradually, I'm using my Forward card less and less each month unless it's for a big purchase. I've been using my Discover card a lot more often now. Unless Citi can give me a compelling incentive for me to use that card a lot more again or better rewards, I don't think I will be using it that much.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Themanwhocan · ‎06-07-2014

The first rule of useless cards is... you don't apply for useless cards.

-Fight club (paraphrased)

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

Kenny · ‎06-07-2014

@Themanwhocan wrote:
The first rule of useless cards is... you don't apply for useless cards.
-Fight club (paraphrased)

Not everyone has had perfect will power, the man who can.

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jaebsf · ‎06-07-2014

Great idea for a thread.

For me:

*GE\PayPal SmartConnect

*GE\Amazon Store Card

*Capital One "Platinum" MasterCard

*Capital One "Platinum" Master Card Yeah I have two of them

*Citibank Platinum

I'll likely close these accounts in the next few months. I have developed a strong dislike of all three of those banks.

celluloid17 · ‎06-07-2014

@Themanwhocan wrote:
The first rule of useless cards is... you don't apply for useless cards.
-Fight club (paraphrased)

Some cards don't start out as useless, but become so over time (e.g., via nerfing or a change in one's credit needs, etc.).

My useless card is a Citi Diamond Preferred. It served me well as a BT card, but now that I don't have a balance and the card itself offers nothing in the way of rewards, it's useless to me. I'm not even interested in PC'ing it because none of the other Citi cards would meet my current needs. I will be closing it next month.

Tkbreeden72 · ‎06-08-2014

My Apple Visa..I'd love to PC but I don't think Barclay's likes me.

I Do Not Need Anymore Credit Cards!

Fico as of 11/29/14: EQ 746 * EX 728 * TU 761
Goal: 750 all around

The useless card thread

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