Bye bye First Premier!

[baskball33]

I have said twice now that I was canceling First Premier.  Well, it is finally time.  I am sending the last payment and getting rid of them!!!  Annual fee would have been coming next month for one of them, so no more waiting.  No idea why I waited this long...again.  I really can't say they didn't help me out.  They did help me to build my credit and make it so I was able to get other (better) cards.  They've served their purpose, after charging me a lot of fees over the years and it's time to move on!

Good riddance FP!!!

[flowfaster]

Congrats.  So what other cards did you get?

[baskball33]

Oh, nothing terribly exciting.  I have one from my Credit Union and a Capital One.  Most importantly, no annual/monthly fees and lower interest rates. 

[CS800]

I cant wait to do that to one of my Cap one card with a $60 AF. My CL is $500 and has stayed this way for over 3 years now. They wont budge on the CLI.

I first have to get a prime CC with a decent limit..

[tdbss]

Congrats, and keep it going.  I have kept mine open for credit history purposes, but thinking about closing soon when the next annual fee is imposed. Paying 6 bucks a month to just keep open, ontop of the 72 a year is starting to get wearysome. My interest shot up from 17.9% to 22.9% last year with the new CC laws, even though my history and scores kept rising, thought that was crazy how that worked.

[tinuviel]

Yes, cards like these have their place in rebuilding, but it is wonderful to be at a point where one has moved past them. Congrats on getting to that point!

[CS800]

My AAoA is currently 5 years and all my 3 credit cards have been opened 3.5 years ago. I wonder how cutting one of them could affect my scores.

I however ju opened to AMEX charge cards backdated to 10 years ago. This might overcome it if i was to close one of my cap one with the $60 AF