cancel
Showing results for 
Search instead for 
Did you mean: 

Closing CC's that are not used vs being CLD due to not using them (Which is worse?)

tag
GApeachy
Super Contributor

Re: Closing CC's that are not used vs being CLD due to not using them (Which is worse?)

@Repo-ed did you decide what you're going to do?  keep some, close some, ride the wave?

 

My Take Home Pay Don't Take Me Home
Message 21 of 24
Repo-ed
Senior Contributor

Re: Closing CC's that are not used vs being CLD due to not using them (Which is worse?)

Quite a lot of excellent post/feedback, but ultimately, I believe I will begin (if not complete) a trimming of accounts next week. 

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 22 of 24
NoMoreE46
Community Leader
Senior Contributor

Re: Closing CC's that are not used vs being CLD due to not using them (Which is worse?)

@Repo-ed ,

 

Would you care to list the ones on the chopping block?

 

DW hadn't used her Chase Disney for like three years before they warned her about an AA. She let it close....

 

Her Amex has been inactive for at least six years.

Message 23 of 24
Repo-ed
Senior Contributor

Re: Closing CC's that are not used vs being CLD due to not using them (Which is worse?)


@NoMoreE46 wrote:

@Repo-ed ,

 

Would you care to list the ones on the chopping block?

 

DW hadn't used her Chase Disney for like three years before they warned her about an AA. She let it close....

 

Her Amex has been inactive for at least six years.


Nothing entirely special, but ultimately a LOT of CL.

 

A few Chase cards, fidelity, Paypal Credit (LoC), Apple card...cards like that. Utlimately I will keep my SWA Visa, United Explorer Visa, Harley Visa, Citi Costco, and all of my AMEX since they were my first/oldest accounts (and fun fact, what got me placed into credit hell (along w/ my repo) and thankfully gave me a 2nd chance after I found this site and got great info on how to ask for forgiveness, etc)).

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 24 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.