I think if it were me I'd pay the 55 bucks for 15k in credit at one time I paid more for a hell of alot less
@p- wrote:
@laz98 wrote:unfortunately, she doesn't have great credit. the only baddie she has is a 60 day late from 2008, but apparently it's really bogging her scores down. TU 709 & EQ 719. i haven't enrolled her in psecu yet, so i don't know what her EX is. both scores have dropped about 20 points from april with only a minor increase in util. it actually annoys me that her scores are so low.....they're barely higher than mine, & i have a big old unpaid chargeoff on my reports. luckily her auto-enhanced scores were much higher when we were car-shopping, very similar to april's fico scores.
No luck with GW on that late, huh? My wife had a similar thing on a Chase CC in 08 and they would not budge.
it's on a student loan. her parents were supposedly paying it, but her mom failed to tell her that she decided to stop 
the company doesn't even have the loan anymore; they sold it off to ACS. ACS isn't reporting it, thankfully. she doesn't need 2 of those reporting.
@Anonymous wrote:In my mind it depends.
If you dont have a lot of CC debt and its only 2 years old, myself Id close it if the fee was anything I was concerned about.
The only cards we have that have a fee is US Bank and they waive it as long as we make a single purchase per year.
But...in my mind if I had the 55 bucks I might go ahead and keep the card for a couple years till the other account is older.
no, it's not only 2 years old, it's older than her next oldest non-store card by 2 years.
anyway, we've already decided to keep it, unless they close it because we aren't using it enough. thank you for your reply 
Ouch smc kinda hurt my feelings I think we are all addicts to a degree besides user name "lookingoutformycredit" was too long either way though I think at one time we all paid more for less..……
@addicted_to_credit wrote:
Ouch smc kinda hurt my feelings I think we are all addicts to a degree besides user name "lookingoutformycredit" was too long either way though I think at one time we all paid more for less..……
Hahaha, 
, I love some of the usernames on this forum, such as FICO_NIGHTMARE, haulingthescoreup, etc... So relevant.
Couldn't agree more smc Im just glad I'm not addicted to worse either way it drives DW crazy