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Contributor
severine
Posts: 122
Registered: ‎08-19-2012

Capital One: PiF and account closed:)

Yesterday I paid the ~300 balance I had on my Capital One Platinum (CL1000) and this morning I closed the account! I am happy to be done with that company but am glad that it, along with the oasis Optima card I closed yesterday,  allowed me to rebuild my credit and boost me toward bigger and better cards.

 

For anyone that is frustrated with the slow climb and slog of rebuilding, I am living proof that you can slowly but surely repair past mistakes and that time is your best friend.

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Capital One: PiF and account closed:)

Congratulations, you moved on to greener pastures :-)
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Capital One: PiF and account closed:)

Congrats. I am closing my cap 1 card very soon as well. I am grateful they took me with no credit history but 500 limit is no longer wanted among my cards.

Cheers for moving on.
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Regular Contributor
Iincognito
Posts: 181
Registered: ‎04-21-2010

Re: Capital One: PiF and account closed:)

[ Edited ]

severine wrote:

Yesterday I paid the ~300 balance I had on my Capital One Platinum (CL1000) and this morning I closed the account! I am happy to be done with that company but am glad that it, along with the oasis Optima card I closed yesterday,  allowed me to rebuild my credit and boost me toward bigger and better cards.

 

For anyone that is frustrated with the slow climb and slog of rebuilding, I am living proof that you can slowly but surely repair past mistakes and that time is your best friend.


Congrats! Definately a good feeling to close out builder cards and to never look back.

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)

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