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Bye-Bye Credit One !!!

New Contributor

Bye-Bye Credit One !!!

Happy to say I just got rid of Credit One !

 

I know I will see a bit of a hit to my Util% , but just could not stand paying their high fees any more. When they asked why I was closing the account and I told them because of the monthly fee the rep offered to waive it for 3 months if I would reconsider.  THAT was supposed to make me reconsider !!! ?

 

Scores Credit Karma TU=697 Vantage 727 | WalMart TU=709 | CreditSesame Exp=739 | Exp. FICO = 739 Barclays TU=706 Discover IT = 702

Discover IT $14,900 | BJ's Perks MC $5500 | TD Bank Visa Signature $5000 | Capitol One QuickSilver One $1600 | Capitol One Platinum Prestige $3000 | Merrick $4000 | Walmart $50000 | PayPal CS $1400 | Fingerhut $1800 | OCCU Duck $5000 | SG Visa $2000
Message 1 of 14
13 REPLIES
Senior Contributor

Re: Bye-Bye Credit One !!!

seriosuly they have no shame! "SMH" Well good thing is that you closed it and you are ready for better cards! Congrats on your success!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 2 of 14
Regular Contributor

Re: Bye-Bye Credit One !!!

Good job! Now, on to greener pasture!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 3 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Congrats! I was so happy when I closed mine a couple of months ago. Good riddance.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Congrats! That's just as satisfying as an approval! Smiley LOL


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 5 of 14
Valued Contributor

Re: Bye-Bye Credit One !!!

Good riddance and good for you!!

 

They served their purpose for you so it was time for them to kick rocks.

 

I got such a jolt as well out of shutting them down last month.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 14
Moderator Emerita

Re: Bye-Bye Credit One !!!

Just like losing that last 10 pounds! Awwww relief!
Message 7 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Their days are numbered here.  Single digits....thats if they make it through today with me.  If I get two extra minutes somewhere they might not last the day. Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 8 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

I am thinking they are getting the axe from me today. I called to cancel earlier and had the AF waived for the next 3 months...Just did it to mess with them. I'm ending my work day with the termination call.

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 9 of 14
Senior Contributor

Re: Bye-Bye Credit One !!!

Congrats!  Must be a good feeling.

Message 10 of 14