Trimming the deck... some advice?

[Anonymous]

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@arkane wrote:

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@Anonymous wrote:

I have bought two computers and an iPad with the Barclay/Apple card using 0% interest over the last 3 years. I doubt I will be buying anything new for a few years, but it's always nice to have that option. Do you know if US Bank will do a PC with a balance on the card? I transferred a balance from when I had high medical debt and it has about $1800 left to be paid off. That'll be paid off by February when the 0% expires, but I'll possibly pay it off next month.

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@arkane wrote:

I'd PC the US Bank Platinum to the Cash+ as well since the Platinum gets no rewards. If they refuse to do a PC then close it.

The Barclays Apple also makes little sense unless you buy from Apple a lot.

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Is the 0% financing option always available, or is it only for the first 30 days of account opening as stated on the site? Sounds like it's the former but wanted to confirm.

No idea as far as US Bank goes sorry.

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The 0% has been available the two subsequent times I have used the card, so I believe it’s always available. That, or they run a lot of promotions for the card.

[arkane]

Hmmm ok probably worth keeping the card then.

And as for the USB PC (sorry I just love how the acronyms play out ), I'd just call in and ask. Worst case is they say no, in which case you need to HUCA a few times to make sure it's actually a no and not just a lazy CSR.

[Anonymous]

Definitely close the Capital One Quicksilver.  You have the Fidelity that gives you 2 percent back.  Why would you need a low limit 1.5 percent card.  If you aren't a regular shopper at Kohls shut that one down. 

[Anonymous]

Okay, so here is my plan:

I will cut the "$1,500 - Synchrony/Amazon" and "$700 - Kohl's" cards today. Should I close the Capital One card since it'll be my second oldest credit line now? The APR is ridiculous and the limit refuses to move unless I move over to using it again, which I don't see a reason to. 

I will also call US Bank once I hear back about getting a PLOC from them to see if I can PC it to cash +.

[Anonymous]

I have canceled the Amazon/Sync card as well as the Kohl's card.

I also called US Bank to get the Platinum pc'd to Cash+, and the kind woman on the phone was able to get it switched over!

[arkane]

[Medic981]

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@Kforce wrote:

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@Anonymous wrote:
I would get rid of Mattress Firm, Kohl's and Sync/Amazon, and since you now have the 2% Fidelity, I would PC FU to Freedom for 5% category and PC QS to Savor.

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+1,  Excellent suggestions

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+2, I too agree these are excellent suggestions!