@Anonymous wrote:
@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.
NF...My Crew card is only at $8250, and is one i will not be closing, LOL..or Barneys now at $11k...The other, Im ok with losing
hahahaha
@northface28 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
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.
well, that will probably be in 4 yrs or so when I can get a card with somone other than my 10th Cap 1 Venture, LOL...Im hoping to get your BOFA offer in 2-4 yrs, and if I can get Amex at yr 6, then I might start to detest store cards...lol
@pizza1 wrote:
@northface28 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
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.
well, that will probably be in 4 yrs or so when I can get a card with somone other than my 10th Cap 1 Venture, LOL...Im hoping to get your BOFA offer in 2-4 yrs, and if I can get Amex at yr 6, then I might start to detest store cards...lol
And ill be smiling like a proud dad at a graduation.......
@northface28 wrote:
@pizza1 wrote:
@northface28 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
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.
well, that will probably be in 4 yrs or so when I can get a card with somone other than my 10th Cap 1 Venture, LOL...Im hoping to get your BOFA offer in 2-4 yrs, and if I can get Amex at yr 6, then I might start to detest store cards...lol
And ill be smiling like a proud dad at a graduation.......
LOL...actually when Im at year 6, youll be yr 8, andin the last home stretch!! Hopefully we are both still around the forums then to see that happen, lol...
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card. 
@Anonymous wrote:
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card.
LOL
@Anonymous wrote:
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card.
@Anonymous wrote:
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card.
Now NIxon...There is nothing wrong with my way of practice here. If I want to immediately pay in store mu purchase, theres nothing wrong with that! I know you were referring to me...grrrrrrrr...youre about to get on my list Mr.!
@pizza1 wrote:
@Anonymous wrote:
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card.
@Anonymous wrote:
@Anonymous wrote:You can cloes any of them anytime you want. Just make sure it will not hurt your utilization.
You couldn't hurt her utilization if you tried. Cmon. You know she carries a wallet full of 100's ready to pay at the counter after using the store card.
Now NIxon...There is nothing wrong with my way of practice here. If I want to immediately pay in store mu purchase, theres nothing wrong with that! I know you were referring to me...grrrrrrrr...youre about to get on my list Mr.!
Lol....
I never said it was wrong....Just goofy. 
@pizza1 wrote:
@Anonymous wrote:
@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.
NF...My Crew card is only at $8250, and is one i will not be closing, LOL..or Barneys now at $11k...The other, Im ok with losing
I'm looking forward to using my Barney's card (that you seduced me into!!!) when I'm in Vegas next month. I'm going to max it out and make minimum payments on it for the next 60 years just to make Nixon's head spin