Established Contributor
Posts: 620
Registered: ‎05-28-2013

Re: $0.00 balances across the board

I remember when I paid off all of my cards (after almost 10+ years) and it was the best feeling in the world! lol  Now I just leave a couple of bucks on one of the cards just for scoring purpose. :smileytongue:

9/21/14 EQ 704 | AmEx Platinum NPSL | Discover it $11k | BofA Travel Rewards Visa Sig $7k | Citi Platinum Select AAdvantage WMC $10k | Barclaycard Arrival+ WMC $9.7k | Jared/Kay $5.1k | Chase Sapphire Preferred $5k | BofA Cash Rewards Visa Sig $5k | DFS $5k | PayPal SC $5.6k | PayPal Credit $6.5k | Citi Diamond Preferred MC $4.7k | BofA Better Balance Rewards MC $7k | Chase Freedom Visa $4k | Zales $5k | US Bank Visa Platinum $3k | Bloomingdale's $3k | Amex Hilton HHonors $2k | Macy's $2.5k | Amex Delta SkyMiles $1k | Chase Amazon $800
Posts: 26,783
Registered: ‎09-13-2012

Re: $0.00 balances across the board

Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013

Re: $0.00 balances across the board

Feels great doesn't it? Congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13

Valued Contributor
Posts: 2,972
Registered: ‎02-09-2012

Re: $0.00 balances across the board

i did leave $500 reporting for score purposes - though 7k across several accounts was not really impacting my score, it was bothering me immensely!
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 1,949
Registered: ‎08-13-2007

Re: $0.00 balances across the board

That is awesome! Congrats...


This month, same for me. Paying the final $1200 on new kitchen appliances next week and we will also have a zero balance!


Now I do use 4 cards on a regular basis, and I just PIF on the due date, so they do report. But it is typically less than 2% of my total credit line so no big deal. I am sure it helps in some way.


None-the-less, congrats again! It is a great feeling to finally get there. 


** Every Card has a Job, and Every Card does its Job **

Frequent Contributor
Posts: 370
Registered: ‎12-10-2012

Re: $0.00 balances across the board


NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Frequent Contributor
Posts: 355
Registered: ‎08-31-2007

Re: $0.00 balances across the board amazing accomplishment


| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013

Re: $0.00 balances across the board

congrats on being debt free!

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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Established Member
Posts: 19
Registered: ‎10-23-2010

Re: $0.00 balances across the board

Congrats, its a great you can play with your util a bit, charge a little and achieve 2 or 3 % util see what your score does ect......

Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013

Re: $0.00 balances across the board

Debt free! Congrats :smileywink:

LAST APP: 08/20/2013

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