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More things, plus need some advice

June 11th, 2015 at 10:52 am

I've thought of some more...most importantly:

Oldest CC: My BOA card is coming up on its annual fee of $59. It's my oldest card. I don't charge anything to it other than to my auto-fill EZ Pass and a recurring payment for SO's Christmas gift that wouldn't be too difficult to pay off. I'm going to call and see if the fee could be waived, but they've never been willing to work with me in the past. My question is, do I close it if they won't work with me on the annual fee? I'm guessing they won't waive it every year and there's not much difference between closing it this year or next, so I'm tempted to just take the hit to my score now while I don't particularly need it. What do you think?

Food: Other than the whole pizza debacle earlier this week, I've been doing well. I am out of milk, but I'm trying to hold out until this weekend when SO gets back.

To-Do List: I made a huge to-do list of things I want to do before SO gets home. My goal is at least 5 things each do. Last night, I finished 5, but started at least 5 others.

3 Responses to “More things, plus need some advice”

  1. CB in the City Says:

    Personally, I would close any card that required an annual fee. I don't think closing one card would affect your credit score very much.

  2. Ima saver Says:

    I agree. I don't own a card that has a fee, and I pay off my balances every month. I only use cards that give cash back, like my capital one quicksilver card.

  3. Debt-free by Thir-ty Says:

    I think you all are right. I was just hesitant since none of my other cards are more than a year old, but I got it when I was just getting out of college and didn't really do research into what was best.

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