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Old 04-10-2011, 04:46 PM   #21
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I use three credit cards and a debit card. Every six months I ask for a credit limit increase on all three cards. The objective here is to reduce my debt to credit ratio which is one thing the credit bureaus look at in calculating your credit rating. Also, it's best to not cancel a credit card, especially if you've had it for a number of years. Just put it on file and use it maybe twice a year to keep it active. Learned this the hard way when I cancelled my JCPenney's card because they ticked me off. My credit tllk a hit and found out this caused me a problem.

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Old 04-10-2011, 05:11 PM   #22
Thinks s/he gets paid by the post
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Originally Posted by GregLee View Post
Sometime in the last year I got an offer from Discover card to replace my card with a designer picture card of my choice. No extra charge. I picked a butterfly picture for me and a horse picture for my wife. The colors are rather gaudy, but they liven up my wallet. Fun.
I have the Sea Turtle which I love Ms G has the dog biscuits. a month ago I received a letter saying I can get the 25th Anniversary card because I am a charter Discover card holder. I said no thanks.

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Old 04-12-2011, 12:00 PM   #23
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Originally Posted by grasshopper View Post
I have the Sea Turtle which I love Ms G has the dog biscuits. a month ago I received a letter saying I can get the 25th Anniversary card because I am a charter Discover card holder. I said no thanks.
I received that DC "offer" also. It failed to motivate me to "upgrade" the card that sits in my wallet 24/7. What difference does it make what color or unique pattern is displayed on the card. As long as it works when I want to use it and they keep my cashback account flowing I'm OK with the plain old basic black.

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In dire need of: faster horses, younger woman, older whiskey, more money.
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