Year end card closings..

[CreditCuriosity]

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained WITHOUT a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards to prune and Total rewards unless they give me an APR reduction might be the next one to get the Axe..  Nice CL, but not a practical card really as my profile has continued to grow.

[Anonymous]

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

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I think you should close out the Ritz. 

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

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I think you should close out the Ritz. 

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One word... NOOOOOOOOOOOOOOO... That is all, you can move along

[Anonymous]

I can't see much use for that total rewards card I think I would dump that one if I was in your shoes unless they have some sort of big bonus or something.

[Anonymous]

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@Anonymous wrote:

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

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I think you should close out the Ritz. 

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lol

[Anonymous]

Closed my Wells Fargo Visa this week, $3,500 CL.  This was my card that was graduated from secured.  One less account to keep up with.

[CreditCuriosity]

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@Anonymous wrote:

Closed my Wells Fargo Visa this week, $3,500 CL.  This was my card that was graduated from secured.  One less account to keep up with.

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Its tough some times to close them, but the best, but I find myself having to reload amazon GC's for a few dollars on some of these accounts to keep them active, just isn't worth it to me anymore on the accounts I have closed or am planning on closing.

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

---

I think you should close out the Ritz. 

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One word... NOOOOOOOOOOOOOOO... That is all, you can move along

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Oh no, thats his baby card ,,, he is not going to to that !!!

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

---

I think you should close out the Ritz. 

---

One word... NOOOOOOOOOOOOOOO... That is all, you can move along

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Oh no, thats his baby card ,,, he is not going to to that !!!

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Oh and will it grow with I eventually consolidate CL's along with future HP CLI's etc.. I plan on making it a plump kid in a few years

[woodyman100]

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@Anonymous wrote:

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@CreditCuriousity wrote:

So my year end card pruning has begun..  Many of you know I don't keep cards just to keep them or for utilization as that isn't an issue.. So with that said I cancelled my HHonors Amex card that was 6 months old...  Only a 2k CL on it, but my Delta hit 12 months as of a few days ago... So before the AF hits I will be converting the Delta to a HHonors no AF card or at least that is my plan as the Delta is backdated to 1990 and the HHonors was not, thus the reason of which card I cancelled a bit of logic to my madness

Now I am trying to find 1 or 2 more cards to get rid of... I am thinking of dumping the Wayfair card as well as this is my only store card obtained with a HP, but not quite sure about that.. Would also like to get rid of possibly one more major CC before the end of the year.. My Signature doesn't have every card I have, just the main players I use more often.  I want to keep my personal credit < 150k preferred < 140k for future approvals late next year .

So will update this thread as I decide on additional cards

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I think you should close out the Ritz. 

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Bahahaha Now that's just mean!