Dcyphrz wrote:JonE wrote:Opting out works too.
I actually did opt out (not permanently) in the spring of '14 for some of the reasons KDM pointed out. In all fairness, I banked with Fifth Third so a second CC with them didn't bother me. Were it not for the mailer, however, I'd have never applied for the card. It's dead weight.
*edit* Not that there's anything wrong with carrying whatever card(s) a person wants. I'm just saying for my spending patterns, some cards aren't a good fit. To each his own.
I do plan on keeping one of each network. Already have Freedom VISA and Discover (Freedom may be rolled over into CSP when the time comes), Amex is next on the list, then a suitable MasterCard (maybe a Barclay Ring as a BT card) and keep one useful store card (For me, Amazon since I'm a Prime Member and I buy from there on a frequent basis, even waiting for a Prime delivery today from the UPS guy). Walmart's limit isn't going anywhere, and there are no real rewards to keeping it. CareCredit is very limited, and it's better to put a bill like that on an actual rewards card. Once I get a house, a Lowe's card might be an attractive option.