I was discharged last week, but still waiting on closing. I need to get a hotel room for next month and would rather use a cc rather than debit (I have a few that have survived so far--I realize their days may be numbered). Anyway, I don't particularly want to open yet another debate on credit vs. debit cards-I just wonder if there's any reason I can't use my card again. And yes, I will be immediately paying it off-I'll never carry a balance again.
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So far they've survived, I just checked. The only one I really care to keep is my Target Visa-I'd like to use it to rebuild my credit. I'm hoping since they are their own bank and I have such great payment history with them, it'll make it through. I thought about just biting the bullet and calling them and just seeing if they plan to leave it open or not. I just don't want to call attention to it...I wouldn't even care if they raised my rates as long as they kept it open, as I will be paying it off every month. Would I be crazy to call?
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Originally posted by yuckhatethis View PostSo far they've survived, I just checked. The only one I really care to keep is my Target Visa-I'd like to use it to rebuild my credit. I'm hoping since they are their own bank and I have such great payment history with them, it'll make it through. I thought about just biting the bullet and calling them and just seeing if they plan to leave it open or not. I just don't want to call attention to it...I wouldn't even care if they raised my rates as long as they kept it open, as I will be paying it off every month. Would I be crazy to call?
CC are evil, yes they are. Take that money you were going to pay off the card with and put it in a secured card, trust me, you will be much better off. then pay that off every month.Filed: 11/25/08 - chp 7 no asset
Discharged: 2/24/09 CLOSED 3/7/09!
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It's not a Target store card, it's a regular cc issued through Target. I'd rather keep it as I've had it forever and older accounts will look better on my credit report. I really don't want to open anything new if I don't absolutely have to. We have a couple of years before we'll need to replace a car and my plan is to not open any new lines of credit/loans until then.
Overspending isn't our issue anymore, so I'm not really worried about running up a cc bill. Everything about the way we use money is different now.
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Originally posted by yuckhatethis View PostIt's not a Target store card, it's a regular cc issued through Target. I'd rather keep it as I've had it forever and older accounts will look better on my credit report. I really don't want to open anything new if I don't absolutely have to. We have a couple of years before we'll need to replace a car and my plan is to not open any new lines of credit/loans until then.
Overspending isn't our issue anymore, so I'm not really worried about running up a cc bill. Everything about the way we use money is different now.Filed: 11/25/08 - chp 7 no asset
Discharged: 2/24/09 CLOSED 3/7/09!
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