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@Jesedmotherof5 wrote:Ok so I got my pretty new Amex and chase cards and I want to show them all my love so I have to close my tribute... 100Af/10.00MM f and NOW (as of June 14) 4.95 online payments fees... just makes me sick to my stomach... So today I made my last payment agian to get it to zero and tomorrow after it post I will close it. Now my question is should I close the ORCH too.. Only had it a year, already paid AF and CL is only 400.00 rate is 9.9%. or should I leave it be... these are my cards as they stand nowCap 1 15th 1500 /14Credit One 2rd PIF 23.9 950 /10.95ORCH 30th PIF 9.9 400/ 0Plains 1st 19.9 1370/ 356.55Tribute 7th 21 0/ 0Sams 2nd PIF 20.9 500/ 0AMEX PIF 15.24 1000/ 162chase 3000/ 100
@Anonymous wrote:
@Jesedmotherof5 wrote:Ok so I got my pretty new Amex and chase cards and I want to show them all my love so I have to close my tribute... 100Af/10.00MM f and NOW (as of June 14) 4.95 online payments fees... just makes me sick to my stomach... So today I made my last payment agian to get it to zero and tomorrow after it post I will close it. Now my question is should I close the ORCH too.. Only had it a year, already paid AF and CL is only 400.00 rate is 9.9%. or should I leave it be... these are my cards as they stand nowCap 1 15th 1500 /14Credit One 2rd PIF 23.9 950 /10.95ORCH 30th PIF 9.9 400/ 0Plains 1st 19.9 1370/ 356.55Tribute 7th 21 0/ 0Sams 2nd PIF 20.9 500/ 0AMEX PIF 15.24 1000/ 162chase 3000/ 100
Orchard is a good card, subprime but good. It is actually an HSBC card so I'd keep it. After a while you can upgrade to a prime no annual fee card with Orchard or HSBC. So I'd keep it!
I went through your list of cards. I think their might be 1 or 2 more high fee cards I would cancel.
Plains and CreditOne. If they waived the fee to no annual fee, no monthly fee than ok, but I think I saw one that charged a $300+ annual fee is that correct? If so CANCEL. And anther that had a maint fee of $10+. If you have prime cards it is time to close them out. If the Plains card fees have already been paid you can hold until it is ready to bill fees again, then cancel.
FretlessMayhem wrote:
They'll let you upgrade to a prime card? I was unaware of that. I should have done that instead of closing mine.