FINANCE QUESTION
Okay, someone must know if this will work...
I want to transfer the balance of one of my credit cards to the other credit card I have. Then I want to call cc co. #1 and tell them to close my account. I'm hoping if I do this, they will want to lower my APR and beg me to stay. Do any of you have any experience with this? Could this actually work?
Additionally, I was wondering if I want to keep this card open anyway. I heard that if you just charge one thing a month and then pay off your balance every month it will boost your credit rating each time. Will it still boost your rating even if you don't charge anything at all and just have an open cc account with no balance?
I wanna know what you know!
In other news...my cat is meowing at the ceiling and it's freaking me out. okay, i'm prolly going to bed now. i'm lame.
I want to transfer the balance of one of my credit cards to the other credit card I have. Then I want to call cc co. #1 and tell them to close my account. I'm hoping if I do this, they will want to lower my APR and beg me to stay. Do any of you have any experience with this? Could this actually work?
Additionally, I was wondering if I want to keep this card open anyway. I heard that if you just charge one thing a month and then pay off your balance every month it will boost your credit rating each time. Will it still boost your rating even if you don't charge anything at all and just have an open cc account with no balance?
I wanna know what you know!
In other news...my cat is meowing at the ceiling and it's freaking me out. okay, i'm prolly going to bed now. i'm lame.