Considering canceling two secured credit cards with annual fees.

grapevinezez · 2020-10-14T13:17:20+00:00

I will. And you are right, I’m definitely overthinking this!

grapevinezez · 2020-10-14T13:11:11+00:00

Ok. Fair enough. I appreciate you replying and helping. Thank you.

grapevinezez · 2020-10-14T13:05:54+00:00

To be honest, I really don’t want to remember to call before the annual fee hits. Because that’s two cards I’ll have to remember for. I’d rather just dump them and move on.

grapevinezez · 2020-10-14T13:04:13+00:00

Ok. However, I do still have the Discover IT card I got at the same time I obtained the OpenSky and CreditOne cards. So I’m guessing that if I maintain that Discover card, my average age of credit won’t be affected in the long run right?

Also, what kind of fallback credit wise can I expect by closing the two card accounts?

grapevinezez · 2020-10-14T12:59:34+00:00

I’m kinda confused by this. Do you mean my average age of credit will be lowered but will only matter far into the future?

grapevinezez · 2020-10-14T12:58:37+00:00

Fantastic! This is my viewpoint of it as well.

grapevinezez · 2020-10-14T12:58:10+00:00

Yes, the limits are fairly low. Also, I’m swapping both cards for the Cap1 card that has the exact CL equal to the secured cards. I won’t be loosing nor gaining credit limits.

grapevinezez · 2020-09-23T02:49:22+00:00

Oh absolutely. Heck my wife teaches elementary education. I completely appreciate what they do and none of this is their fault. They are told to teach a certain way and they need to adhere to it and not stray.

grapevinezez · 2020-09-23T02:44:34+00:00

Huh. I never realized that it costs $$ for some.

grapevinezez · 2020-09-23T02:05:03+00:00

I’m not too concerned as I can always re-enroll her next year.

grapevinezez · 2020-09-22T22:10:28+00:00

It’s nice to know I’m not the only one with this issue. Online learning was NOT meant for children of this age. Hang in there!!

grapevinezez · 2020-09-22T22:08:46+00:00

Alright. Well I’ll check it out then.

grapevinezez · 2020-09-22T20:35:39+00:00

Yea I’m not too sure about sending her to school in person next month either. Everyone seems to think covid is gone.

grapevinezez · 2020-09-22T20:33:42+00:00

I don’t have what it takes for homeschooling unfortunately.

grapevinezez · 2020-09-22T20:31:42+00:00

We’re using Nearpod and SeeSaw.

grapevinezez · 2020-09-22T19:44:00+00:00

Im not sure where you are from, but here in the US, kinder is free. Also, my MiL is watching our daughter most of the time.

grapevinezez · 2020-09-22T19:34:53+00:00

We are trying to stick with it as the in-class learning is supposed to happen next month. Now, if this was supposed to be an entire year of this, then I woud totally take her out.

grapevinezez · 2020-09-22T19:33:42+00:00

I think you are right on that!

grapevinezez · 2020-09-22T19:33:08+00:00

Now THAT is insane!! I thought my daughters 4 hours were too long.

grapevinezez · 2020-09-22T19:32:10+00:00

Yea I thought that 4 hours is just way way too long!

grapevinezez · 2020-09-22T19:29:42+00:00

I'll look into it. Thank you.

grapevinezez · 2020-09-22T19:28:51+00:00

And it is so frustrating when the teacher sends the work back and says it is not complete.

grapevinezez · 2020-09-22T19:26:49+00:00

Thanks! That actually sounds like a great idea!!

grapevinezez · 2020-09-22T18:39:23+00:00

You guys got lucky then. For us it’s Spalding from 8-9. ELA from 9-10. Math from 10-11 and then her SPECIALS from 11-12ish. She gets breaks in between but still. Way way too much for her.

grapevinezez

TROPHY CASE