Thanks @pizza1 ! Not sure how PMs work here but i'd love a sample closing letter 
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
Double triple pulls and an EX pull every CLI. Bingo.
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
I cant wait for the day when you detest store cards like I do. You think I hate them? My wife is on crusade against them.
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
Double triple pulls and an EX pull every CLI. Bingo.
Exactly, so you have $15k CL at JCrew? Buying $15k worth of khaki shorts, boat shoes and polos? Yeah, didnt think so. 
@northface28 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
Double triple pulls and an EX pull every CLI. Bingo.
Exactly, so you have $15k CL at JCrew? Buying $15k worth of khaki shorts, boat shoes and polos? Yeah, didnt think so.
Heheheheheh. Love it.
In any case...
OP. Best course for you is to just keep the account open, put some occasional use on it so it actually reports and close it in a year.
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:Pizza?
real funny there NF!! At least I had to freaking cold app all of mine..Comenity denies me the SCT as a punishment!
OP..BTW...There is NO set rules on that you have to keep a card open for a year. The only effect it has on you is utilization at this point. You already took the hit, and its gonna stay on your reports for 10yrs..positive. I just close 5 cards this month alone. By the end of the year,,,Ill will probaly have 15 closed. I send my letters certified return receipt and in the letter I state I want it to say.."Closed at consumers request"...so it looks like to another lender that I closed them, not the creditor..always get it in writing
More a blessing than a punishment. I wish they'd start triple pulling for their store cards.
LOL!!! Actually a few of mine I was dbl pulled!! I could go back and look and tell which ones they were
Double triple pulls and an EX pull every CLI. Bingo.
EX is my highest by 20 pts..Im ok with that! LOL