bright eyed
Thinks s/he gets paid by the post
- Joined
- Jan 4, 2007
- Messages
- 1,891
my 0 percent card has run it's course and now is not of much use to me. i use my amex for most purchases and pay off the balance and use the other card for whoever doesn't take amex. i don't like using debit because someone got into my account once and that was enough to scare me off using that one.
sooo.. i want to open another new card at lower interest - current one is about 14%...even though i will not carry a balance 90% of the time, once in a while for a big purchase i keep a balance for a few months.
anyhoo- i keep hearing conflicting advice about closing unused cards - some say it will hurt your credit to close the account?, others say to pay them off and close them...
i want to open a new one w/ lower interest rate (trying to find one of the 0% forever ones...) i also have two other cards that i haven't used much for about a year so don't know if i just cut it up or call them and close?
what's the consensus here?
sooo.. i want to open another new card at lower interest - current one is about 14%...even though i will not carry a balance 90% of the time, once in a while for a big purchase i keep a balance for a few months.
anyhoo- i keep hearing conflicting advice about closing unused cards - some say it will hurt your credit to close the account?, others say to pay them off and close them...
i want to open a new one w/ lower interest rate (trying to find one of the 0% forever ones...) i also have two other cards that i haven't used much for about a year so don't know if i just cut it up or call them and close?
what's the consensus here?