- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I'd read on FICO how they are the same company but don't interact much if at all. However I called BofA and they knew about the FIA card AND were able to close it for me.
So they seem to be tied a bit better than I'd read they were.
The rep pointed out I had 125 in rewards on the BofA card, but 100 of that was a sign up bonus and in my view I honestly didn't earn it by heavily using and keeping the card so I let it go.
On cards I heavily use and keep, yes I will keep that bonus. But I don't want to just get a card as if it's for the bonus that's just literally a bonus.
Anyway I've updated my sign those are my cards. I can't see any others I care to close. I think the ideal amount is 4 to 6 and I have 5. Any less and you limit your options any more and it's a hassle to handle, that's for me personally others may prefer more or less cards.
If I were to add anything it would be an Amex, mostly for the backdating, but they don't have any cards I don't have that I would get much value out of, or Discover, but they'd give me an insutingly low limit (probably 1500 would be my guess given that every time I open a card with them it's 1500 lower than the last one) and that wouldn't work for me so, I can honestly say I have no interest in opening new accounts at this time. IF I could get a decent limit on a Discover (5k) I would app with them, but I know better than to waste the inquiry.
Now let's see how this all shakes out. The BCP has not reported yet I've been reading that takes a while.