I just finished making the final payment on one of my old, cancelled credit cards. I wasn't expecting to do this until after the 1st of next month, but the funds became available to do so early so I decided to pay it and be done with it. Only one more payment on one final card next month, and I will be completely, 100% free of consumer debt!!!!! And since I've become very strict about PIF on my active cards, I'm ending each month without any debt carrying over!
It's been a long, long, looooooong time in coming, but I'm almost there!!!!! 
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@tinuviel wrote:I just finished making the final payment on one of my old, cancelled credit cards. I wasn't expecting to do this until after the 1st of next month, but the funds became available to do so early so I decided to pay it and be done with it. Only one more payment on one final card next month, and I will be completely, 100% free of consumer debt!!!!! And since I've become very strict about PIF on my active cards, I'm ending each month without any debt carrying over!
It's been a long, long, looooooong time in coming, but I'm almost there!!!!!
Go tinuviel!!!
@tinuviel wrote:I just finished making the final payment on one of my old, cancelled credit cards. I wasn't expecting to do this until after the 1st of next month, but the funds became available to do so early so I decided to pay it and be done with it. Only one more payment on one final card next month, and I will be completely, 100% free of consumer debt!!!!! And since I've become very strict about PIF on my active cards, I'm ending each month without any debt carrying over!
It's been a long, long, looooooong time in coming, but I'm almost there!!!!!
I did the same thing two months ago, I paid off 3 cards that had balances but were closed cards.
I also PIF all the active cards. Obsession to use cards and PIF before statment closes.
@CS800 wrote:
@tinuviel wrote:I just finished making the final payment on one of my old, cancelled credit cards. I wasn't expecting to do this until after the 1st of next month, but the funds became available to do so early so I decided to pay it and be done with it. Only one more payment on one final card next month, and I will be completely, 100% free of consumer debt!!!!! And since I've become very strict about PIF on my active cards, I'm ending each month without any debt carrying over!
It's been a long, long, looooooong time in coming, but I'm almost there!!!!!
I did the same thing two months ago, I paid off 3 cards that had balances but were closed cards.
I also PIF all the active cards. Obsession to use cards and PIF before statment closes.
Congratulations both of you! Keep on going!!
You are not alone ... most of us do include me, especially to get most out of the rewards.