Giving thought to closing a few cards

For just about anything you want to get off your chest about credit cards.
MemberSince99
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Postby MemberSince99 » Wed Feb 27, 2013 12:35 pm

djez4, you are correct in a sense. The only tangible benefits would be an increase in AAoA, and less complexity in worrying about running something through the cards periodically to keep them open and paying the bill and being sure not to use them near the cutoff date. So, good advice aand thanks for offering it. I'll take it into consideration, honestly.

As for me being a conspiracy theorist, if it's reality, then it's not a conspiracy is it?


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Postby Sevenfeet » Wed Feb 27, 2013 12:46 pm

MemberSince99 wrote:

As for me being a conspiracy theorist, if it's reality, then it's not a conspiracy is it?


Oh please. What you find at the end of a Google search is hardly proof of anything.
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Postby FutureBillionaire » Wed Feb 27, 2013 12:54 pm

Some of these things are coming. We can't prevent that.

We can keep our cards open to increase our AAoA and eventually get CLIs.
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tlp123
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Postby tlp123 » Wed Feb 27, 2013 1:34 pm

MemberSince99 wrote: Not sure. Comments and suggestions welcomed, although something more constructive than "you're nuts" would be great. Tell me something I DON'T know.


I have some questions.....

Please indulge, and hopefully no offense is taken in inquiry.

Why the restlessness? Months ago, you made a long post praising Amex. Sometime thereafter, you were posting almost polar opposite after some bad experiences. Then you made an emotional response about "goodbyes", and how you are going to perhaps, not be so obsessed with credit.

What's going on?

Are you okay?

I understand and appreciate the value of clean credit files with all the reporting agencies. I also understand the basic usefulness of consumer credit up to a point, but it is credit.

Why the obsession with so many cards?
[font=Verdana][/font]“The society that separates its scholars from its warriors will have its thinking done by cowards and its fighting by fools.” — Thucydides[font=Book Antiqua][/font]

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Postby djrez4 » Wed Feb 27, 2013 2:58 pm

tlp123 wrote:What's going on?

Are you okay?


Monday morning head-shrinking, but between the rapid mood swings and the tin-foil, I'd say no. Next, he'll be posting pictures of his steel bunker - steel blocks EMPs and RFID readers! ;)

Member - If you're ok with closing them, as you appear to be, why even worry about periodic charges to keep them open. Use the cards you want to use and leave the rest alone. If the lender closes them, it's no different than if you closed them. You're overthinking this.
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MemberSince99
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Postby MemberSince99 » Wed Feb 27, 2013 4:28 pm

Well, I thought I posted my Amex experience in all it's bloody detail. In case I didn't, then yes, I certainly did praise them. I know I've explained it before, but for the record I had burned them many years ago, and they let me back in. Obviously that was a mistake as I slipped through the cracks, but I stupidly believed all was forgiven. Amex never forgets and never forgives, though they might look the other way IF you pay them back. That was before that came up where they blacklisted me, and before my dealings with their foreign CSRs, and before I really thought about all the insane seeming things they do. I only saw a company who I had burned and they let me back in the door and for that I was grateful.

Is that really so bad?

I've since learned it was just a matter of slipping through the cracks and they've blacklisted me. I don't know exactly why, if I wasn't blacklisted before but then again, as I said they do some weird things.

I'm not sure why I'm not entitled to change my opinion based on what's happened since?

I did spend some time away from the board. I think it was a good thing. I don't spend as much time here as I once did, and true enough, I don't care about my credit to the extent I did.

As for the interest in cards, let's face it - isn't that why we are ALL here? It is certainly an interest we all share or we wouldn't be here, don't you think? It's like going to a forum on baseball and asking why all these fans are posting there.

So did I change my mind? Yep, several times on several issues. Guilty as charged. Will I do it again? No doubt. Am I interested in my credit? Certainly, not so much as I once was, I try now to help others with theirs, as much as I can.

Am I "right"? Hell who knows. Or cares? I mean do you REALLY care? Or was it just rhetorical?

Hopefully this answers your questions, if not please feel free to ask in more detail. I'll answer, all too honestly.

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tlp123
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Postby tlp123 » Wed Feb 27, 2013 5:11 pm

MemberSince99 wrote:......slipping through the cracks ......


Yes, please explain sans emotional cliche, metaphor, and hyperbole.

MemberSince99 wrote:......and they've blacklisted me........


Also.
[font=Verdana][/font]“The society that separates its scholars from its warriors will have its thinking done by cowards and its fighting by fools.” — Thucydides[font=Book Antiqua][/font]

MemberSince99
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Postby MemberSince99 » Wed Feb 27, 2013 7:33 pm

How I choose to explain, or not to explain, is entirely up to me. You can take what I say or not, that's up to you, but I'm free to relate my experiences as I choose just as you're free to relate yours as you choose, or not to.

If you don't care for what I post, just don't read my posts - block them. It's easy enough to block me in your settings if you want to.

So, now that we've cleared the air, do you have any legitimate questions, or did you just want to make the point that I'm a PITA in your opinion?

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tlp123
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Postby tlp123 » Thu Feb 28, 2013 9:38 am

MemberSince99 wrote:How I choose to explain, or not to explain, is entirely up to me. You can take what I say or not, that's up to you, but I'm free to relate my experiences as I choose just as you're free to relate yours as you choose, or not to.

If you don't care for what I post, just don't read my posts - block them. It's easy enough to block me in your settings if you want to.

So, now that we've cleared the air, do you have any legitimate questions, or did you just want to make the point that I'm a PITA in your opinion?


tlp123 wrote:Yes, please explain sans emotional cliche, metaphor, and hyperbole.



Also.


Easy questions.

Plausible explanations?

What are you hiding?

Please explain yourself in a mature, reasonable manner.

Long, superfluous, emotional, rambling, unfocused diatribes are certainly not necessary.

They continue to undermine your credibility.

((((((Waiting)))))
[font=Verdana][/font]“The society that separates its scholars from its warriors will have its thinking done by cowards and its fighting by fools.” — Thucydides[font=Book Antiqua][/font]

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djrez4
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Postby djrez4 » Thu Feb 28, 2013 1:07 pm

tlp123 wrote:Easy questions.

Plausible explanations?

What are you hiding?

Please explain yourself in a mature, reasonable manner.

Long, superfluous, emotional, rambling, unfocused diatribes are certainly not necessary.

They continue to undermine your credibility.

((((((Waiting)))))


What are you, Dr. Phil?

Member may succumb to a conspiracy or two more than your average Joe (or maybe he's right! scary...), but he didn't ask for and doesn't deserve an impromptu intervention. You ain't helpin', buddy.
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