Retiring Rebuilder Cards

[Anonymous]

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@9CLINE wrote:
my opinion is since you have other cards I would close those 2 if they have AF and/or fees associated w/ them and keep your train moving....
Good Luck !!!!!!!!

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Yes, they have annual fees and other monthly maintance fees associated with them. So I figured I would close them out before the year, but make sure I replace them with other cards of at least the same limit. If I'm making any kind of sense.

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:
I'm in the process of paying all my cards off. 2 of them are rebuilders (credit one and total). I just opened them this year. When would be a good time to get rid of those cards or should I keep them for AAoA purposes? Should I pay off cards and app for a better card such as capital one and then cut them off?

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You want to have at least three bankcards, so you should apply and get approved for two Visa/MC's and then close the two starters.  I would apply for two capital One cards in one session, and also apply for Barclay's and Discover.

As long as you get two major cards to replace the two you are dumping, you will be good.

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Thanks! I was wondering was I making any sense. Lol. That's my plan.

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:
I'm in the process of paying all my cards off. 2 of them are rebuilders (credit one and total). I just opened them this year. When would be a good time to get rid of those cards or should I keep them for AAoA purposes? Should I pay off cards and app for a better card such as capital one and then cut them off?

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I see you are in with Navy.  Why don't you have the 15K line of credit attached to checking?  They seem to give that to everybody who is in with them.

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I never thought to app for that. I wonder would I even get approved. I'll look into that as well as am paying off cards.

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Rebuilding69 wrote:

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:
I'm in the process of paying all my cards off. 2 of them are rebuilders (credit one and total). I just opened them this year. When would be a good time to get rid of those cards or should I keep them for AAoA purposes? Should I pay off cards and app for a better card such as capital one and then cut them off?

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I see you are in with Navy.  Why don't you have the 15K line of credit attached to checking?  They seem to give that to everybody who is in with them.

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I wish they give me a 15k ploc. They only gave me 500 ploc when I got my 5k cc with them. Was hoping they would at least match my cc amount.

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You should ask at least every three months.  You will have that CC up to 20 or 25K and that LOC up to 15 within a year for sure.  I have seen lots of reports like that on here with folks in a similar score range as you.  They let you go from 0 to 50 very fast.

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I think my scores may need to be a little higher before I apply for the ploc.

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

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@CH-7-Mission-Accomplished wrote:

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@Rebuilding69 wrote:

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:
I'm in the process of paying all my cards off. 2 of them are rebuilders (credit one and total). I just opened them this year. When would be a good time to get rid of those cards or should I keep them for AAoA purposes? Should I pay off cards and app for a better card such as capital one and then cut them off?

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I see you are in with Navy.  Why don't you have the 15K line of credit attached to checking?  They seem to give that to everybody who is in with them.

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I wish they give me a 15k ploc. They only gave me 500 ploc when I got my 5k cc with them. Was hoping they would at least match my cc amount.

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You should ask at least every three months.  You will have that CC up to 20 or 25K and that LOC up to 15 within a year for sure.  I have seen lots of reports like that on here with folks in a similar score range as you.  They let you go from 0 to 50 very fast.

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I think my scores may need to be a little higher before I apply for the ploc.

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When did you get your NFCU credit card?  I believe they may use the same pull for like 30 days.  Others should confirm or deny this.

[Rebuilding69]

I called back after the 4-6 hours, & they said I'd have to call back in the morning to get the answer. I guess NFCU doesn't work weekends(kidding).

[Anonymous]

I got my NFCU cc back in February or March.