Bank One Credit Card

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Author: Milavant
Title: Bank One Credit Card
Date: Thu Jan 06, 2005 8:35 pm

How do you decide whether to keep (and use) a 1% Flexible Rewards Visa card issued by Bank One with a $14,500 limit?

I have two other (better) cards I use regularly (AMEX Cashback and Chase Perfectcard), and it appears that I might have one card more than I need. Yet, I am reluctant to cancel it. However, at this time, Bank One does not have a card that is better than this or my other two cards that I could possibly do a product trade for, and they may never have one.

What do you do with an extra card like this? I can't trade it for a Chase card either, because Chase and Bank one have not yet combined, and Chase also does not have anything I want.

I DO NOT WANT TO APPLY FOR ANOTHER BANK'S CREDIT CARD. I want to deal with what I have and avoid hard inquiries for a while.

Author: Polonius
Title: Bank One Credit Card
Date: Thu Jan 06, 2005 10:24 pm

What's the harm in keeping the card? As long as it costs you no annual fee, having it can only help your credit score--and who knows when having the card might come in handy, either for the extra credit line or for convenience or because the bank makes you a special offer or whatever.

Author: DHK
Date: Thu Jan 06, 2005 10:37 pm
Title: Bank One Credit Card

Isn't that a Visa Signature card?

You really get a lot of travel benefits provided via Visa for using a Signature card. If you travel frequently, you may want to keep this card just for those perks.


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