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Discussion in 'Credit Talk' started by steve, Mar 21, 2001.
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SOme creditors will close accounts due to inactivity while others will keep your accounts open forever it seems, I would call them and if is not closed then close and tell them you wanted reported closed at consumers's request. As for affecting your scores you may want to place it safe, if your not using this card and it isn't costing you anything then keep it open it being your oldest it does help your score.
According to Fair Issac, it states once accounts reach 12 months then begin to add points, once they reach 36 months you get the max. amount of points for that account.
Call providian and request an APR reduction and a grace period. If you have been a customer for over 2 years they will not refuse. Call the retention dept at 1-800-215-7318 and tell them that you are thinking about closing your account because you have better benefits with citi and discover. I am sure they will not hesitate to increase your credit and give you a better APR. It is worth to keep your older tradeline in your report. If the terms they offer you aren't comparable to your older cards, keep it anyway, use it once a year and pay it off, so you will have an old tradeline.
I understand you reasons for wanting to close the account. However, with your established credit history, Providian should be willing to give you a lower APR, and a grace period, and most likely an upgrade. All you have to do is call them and ask.
If you don't call, you will never know!!! If they say no, ask for RETENTION!