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Frequent Contributor
Posts: 455
Registered: ‎11-27-2007


Closed one of my 2 first priemier cards today It Felt So good!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
GOAL FOR 2010 Paying Down Debt .........653 EQ 685TU EXP???
Regular Contributor
Posts: 110
Registered: ‎08-26-2008
0 Kudos


Awsome!  I tell you once I finally got rid of the two cards I had with them it felt like a huge weight off my shoulders. They had to of been the worst cc I ever had to deal with!
Valued Contributor
Posts: 3,017
Registered: ‎06-03-2008


I never had any problem with them, I even got a refund for my last monthly service fee promptly after cancelling (and didn't even ask for it).  However, it is certainly nice to be rid of the bottom of the barrel cards and not have to pay those fees anymore. Congrats for movin' on up!
Valued Contributor
Posts: 1,424
Registered: ‎07-24-2007
0 Kudos


That's pretty good, max. - congrats. Although FP is a bottom-feeder, they do provide a valuable service to a certain group of folks.


Now - as soon as you can - get rid of the other one.








New York Yankees - 2009 World Series Champions. 27... and counting.....
Regular Contributor
Posts: 224
Registered: ‎02-04-2008
0 Kudos


UpUpUp wrote:
However, it is certainly nice to be rid of the bottom of the barrel cards and not have to pay those fees anymore. Congrats for movin' on up!




This morning, I closed my Hooters card.   I am grateful for what the card provided me back when I was rebuilding, but after no CLIs and a high APR, it simply wasn't worth another annual fee.  


I only used it twice in public.   Once at my doctor's office (receptionist looked at it like it was the plague) and at a restaurant/bar (bartender thought it was the coolest thing ever).


Regular Contributor
Posts: 167
Registered: ‎05-22-2007
0 Kudos


i got one too and i am going to get rid of!! i got a cli onit and now i have a c/l of $475-WOW!! but it was a good card for credit rebuild!! EQ is 655-too many cc bal!!
New Contributor
Posts: 52
Registered: ‎03-03-2009
0 Kudos


Congrats i'm on my way to loosing the dead weight also
Bank of America $5000/ Alliant Credit Union $2000/ Amazon Chase $2000/ Capital One $1600/ First Premier $475
Senior Contributor
Posts: 3,879
Registered: ‎01-10-2008
0 Kudos


congrats!  it always feels great to 'graduate' to the next level :smileyhappy: and it never seems to hurt to move on from the fee furious cards :smileyhappy:


at the point i needed to build i was unwilling and unable to pay extraneous cc fees.  i ended up with a no fee capital one 400 CL and then from there waited until i qualified for better cards.  the secured to unsecured CU route to re/building is a worthy alternative to FP et al.


good to hear that they are not necessarily doing anything that they haven't made clear in the disclosures.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover

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