- Centurion Member
- Posts: 3929
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
firstname.lastname@example.org wrote: CarefulBuilder14 wrote:
Just closed Dillard's card and Kingsize Platinum store cards. Keeping Discover.
Now just take care to not replace Dillard's and Kingsize with different, new junk!
No doubt! Can't think of anything I need or want for now.
Seriously, be careful. I've seen a lot of people go from closing low-value cards in a quest for simplicity to opening up equally bad ones in a short period of time. Maybe they feel "credit naked" or something. I don't completely get it, but it definitely happens.
Brooks Brothers kind of acts like "new account armor" by reminding me that not all cards end up being as useful as I originally expect. The mediocre cards bounce right off, and only the good cards get through. Instead of simply thinking, "this will be great with my other cards" I make myself ask, "will this really be so much better than the Brooks Brothers card?"
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May