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- #11
Quote:
Yes, I can opt out and kill the card. Which I AM going to do with the WFNNB one for sure.
I actually do not carry a balance on the one I quoted in this thread (Chase) so I might just leave it be. I KNOW I'm not going to cause any problems myself, but I don't trust THEM at all.
The US Bank one is relatively new, I don't think I've received a notice from them yet.....but it has the most balance because they offered me 0% fixed for a year when I was unemployed. I'm still within that year actually, and have started paying it back off. Thing is, it has a $10,000 limit, so killing that card would have a HUGE negative impact on my avaliable credit, and therefore, credit score. I'm living in a TINY house, and while it's great and my mortgage is great....I might wanna get a bigger one some day, with land for all the critters, and I don't need to blow my credit just yet.
I was considering checking out a couple of the local credit unions if they offer Visa cards. I already have a Visa debit card from my bank, but that doesn't do anything to boost my credit score.
I DID APPLY FOR FIXED RATE CARDS ---- THAT'S WHAT THEY WERE, but now I either have to accept the new changes to variable, or kill the accounts.
Nothing is set in stone. What is a fixed rate card today might change tomorrow
Yes, I can opt out and kill the card. Which I AM going to do with the WFNNB one for sure.
I actually do not carry a balance on the one I quoted in this thread (Chase) so I might just leave it be. I KNOW I'm not going to cause any problems myself, but I don't trust THEM at all.
The US Bank one is relatively new, I don't think I've received a notice from them yet.....but it has the most balance because they offered me 0% fixed for a year when I was unemployed. I'm still within that year actually, and have started paying it back off. Thing is, it has a $10,000 limit, so killing that card would have a HUGE negative impact on my avaliable credit, and therefore, credit score. I'm living in a TINY house, and while it's great and my mortgage is great....I might wanna get a bigger one some day, with land for all the critters, and I don't need to blow my credit just yet.
I was considering checking out a couple of the local credit unions if they offer Visa cards. I already have a Visa debit card from my bank, but that doesn't do anything to boost my credit score.
I DID APPLY FOR FIXED RATE CARDS ---- THAT'S WHAT THEY WERE, but now I either have to accept the new changes to variable, or kill the accounts.
