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$0.00 balances across the board

Community Leader
Valued Contributor

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. Smiley Tongue

Message 11 of 24
Moderator Emerita

Re: $0.00 balances across the board

Message 12 of 24
Super Contributor

Re: $0.00 balances across the board

Feels great doesn't it? Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 24
Valued Contributor

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
12/2014 750+
3/2017 780+
5/2017 800+
Message 14 of 24
Valued Contributor

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. 

Ray

** Every Card has a Job, and Every Card does its Job **
Message 15 of 24
Frequent Contributor

Re: $0.00 balances across the board

Congrats!!!

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
Message 16 of 24
Established Contributor

Re: $0.00 balances across the board

Congrats....an amazing accomplishment

 

Total Overall Credit Limit- $325k
Message 17 of 24
Frequent Contributor

Re: $0.00 balances across the board

congrats on being debt free!



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 18 of 24
Established Member

Re: $0.00 balances across the board

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

Message 19 of 24
Valued Contributor

Re: $0.00 balances across the board

Debt free! Congrats Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 20 of 24