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to close or not to close....

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afbar1114
Valued Contributor

Re: too close or not too close....

the cap 1 plat i think it was an offer i got and both the fp and bbrzmc  have cl of only $300 and i think its hurting me more with these CL's

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 11 of 40
CS800
Super Contributor

Re: too close or not too close....

What's your cl on the FP?



Message 12 of 40
afbar1114
Valued Contributor

Re: too close or not too close....


@CS800 wrote:
What's your cl on the FP?

$350

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 40
AndySoCal
Senior Contributor

Re: too close or not too close....

Close  the FP and Best Buy. Keep the Capital One for now. In my mind saving money beats  FICO score points any day.  You have two prime cards Slate and Zync.  I would wait on getting another card allow your scores to continue to improve.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 14 of 40
CS800
Super Contributor

Re: too close or not too close....


@afbar1114 wrote:

@CS800 wrote:
What's your cl on the FP?

$350


FP and rzmc gone. The AF and fees are too high. Do you have other revolvers? You don't want to kill your available credit too much this might make your util go up and you know this will kill your score



Message 15 of 40
afbar1114
Valued Contributor

Re: too close or not too close....

i have other cards that havent posted yet and i plan on taking some money and paying off some cards and bal so i can close these 2 cards

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 16 of 40
Anonymous
Not applicable

Re: too close or not too close....


@afbar1114 wrote:

i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step Smiley Sad and my cash rewards card $500 credit step to $750 in may.  should i keep these both open untill i get my other PRIME card as i plan


 

Was not expecting this to be the topic based on the thread title..  "Too" instead of "To"

 

 

Message 17 of 40
afbar1114
Valued Contributor

Re: too close or not too close....


@Anonymous wrote:

@afbar1114 wrote:

i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step Smiley Sad and my cash rewards card $500 credit step to $750 in may.  should i keep these both open untill i get my other PRIME card as i plan


 

Was not expecting this to be the topic based on the thread title..  "Too" instead of "To"

 

 


yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off Smiley Embarassed

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 18 of 40
CS800
Super Contributor

Re: too close or not too close....


@afbar1114 wrote:

@Anonymous wrote:

@afbar1114 wrote:

i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step Smiley Sad and my cash rewards card $500 credit step to $750 in may.  should i keep these both open untill i get my other PRIME card as i plan


 

Was not expecting this to be the topic based on the thread title..  "Too" instead of "To"

 

 


yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off Smiley Embarassed


Get some rest a long week starts tomorrow . But in all seriousness, I would get rid of the FP



Message 19 of 40
afbar1114
Valued Contributor

Re: too close or not too close....


@CS800 wrote:

@afbar1114 wrote:

@Anonymous wrote:

@afbar1114 wrote:

i plan on closing my FP this year but not untill i get one more major credit card. i also plan on closing my BBRZMC in the next 2 months but the question is whether or not to close my 2 cap1 cards i have the plat card has a CL of $750 already had its credit step Smiley Sad and my cash rewards card $500 credit step to $750 in may.  should i keep these both open untill i get my other PRIME card as i plan


 

Was not expecting this to be the topic based on the thread title..  "Too" instead of "To"

 

 


yea i am tired lol long week no wait long month...never get a day off school or work...full time work and full time school no days off Smiley Embarassed


Get some rest a long week starts tomorrow . But in all seriousness, I would get rid of the FP

yea i plan on it along with the bb card... i am going to be paying it off in the next 2 months

 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 20 of 40
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