cancel
Showing results for 
Search instead for 
Did you mean: 

Store cards - close them?

tag
Anonymous
Not applicable

Re: Store cards - close them?

Does anyone know if CareCredit Synchrony is considered  a store card?

Message 11 of 14
FlaDude
Valued Contributor

Re: Store cards - close them?


@Anonymous wrote:

Also, the closing of any account (s) are another negative and shows another form of unstable behavior- totally about algorithms in thier system- not personal- credit is a business & it is seldom personal.  


I am pretty sure this is incorrect.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 12 of 14
RSX
Valued Contributor

Re: Store cards - close them?

@Anonymous

 

i would say Yes, it is a store card

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 13 of 14
GApeachy
Super Contributor

Re: Store cards - close them?


@Anonymous wrote:

1. I have a wayfair card and amazon card with 0% balances. Deferred Interest promo purchases on both? get utl. down on both.

2. They are not huge- Have you tried for a sp cli on any one of those 2 store cards?

3. for the purposes of boosting mortgage specific score should I pay off and close these accounts? I'd try for a cli and do payoff.

 


 

My Take Home Pay Don't Take Me Home
Message 14 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.