Keep or close?

~Chameleon~

I have several cards currently with zero balance, or due to end next month, and wondered whether it's worth keeping any of them open - maybe try for a repeat deal

LTSB Advance - keeping as have had repeat deals before
Nationwide - keeping to use abroad
MBNA Platinum
Sky
Mint - low credit limit so may as well ditch anyway

Also have the following with balances on them:

Barclays Platinum - 14mth 0%
Egg visa - LOB 6.9%
M&S - LOB 3.9%
Egg Money - monthly spend/mule card
Tesco Platinum - monthly spend card

emma396

call u for a new deal, if they don't offer you one, close:
LTSB Advance, MBNA Platinum, Sky and Mint.

doesn't look good to have too much credit available.

YorkshireBoy

Do not close MBNA. In my experience, they're as good as LTSB for repeats.

Long time since I had a Mint card, so no recent experience.

Milarky

You can get 99p a month out of an old mint card....

Spend (slightly) over 99p on any item each month
Before the statement is produced, make a payment to bring the balance down to 99p exactly
Statement is then credited with 99p by Mint - to a balance of '0.00' - by something called a 'small balance writeoff'

[Works with RBS issued cards - including Tesco cards]