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Closed CreditOne!!!!

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SunriseEarth
Moderator Emeritus
‎03-05-2014 07:50 PM
‎03-05-2014 07:50 PM

Closed CreditOne!!!!

I just closed my Credit One account tonight over the phone.  When they asked why, I told them I didn't like their no-grace period, their AFs, their pay-for-CLIs, and their not-so-hot APR.   The agent informed me about the account reporting to the three CRAs (which is true...Credit One never showed up on Innovis) and I said I still want to close it.

 

Woo hoo!!   Progress!!

 

I should have said "Keep it!  I've got an AMEX now!"   LOL



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 1 of 16
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15 REPLIES 15
juggalo9er
Valued Contributor
‎03-05-2014 07:53 PM
‎03-05-2014 07:53 PM

Re: Closed CreditOne!!!!

i felt about the same when i closed my secured card.....congrats

Message 2 of 16
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Rhaeny
Valued Contributor
‎03-05-2014 07:58 PM
‎03-05-2014 07:58 PM

Re: Closed CreditOne!!!!

Yea, good riddance to them and good for you!


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 3 of 16
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Crisis
Established Contributor
‎03-05-2014 08:13 PM
‎03-05-2014 08:13 PM

Re: Closed CreditOne!!!!

Congratulations!

In the garden until debt is paid off and scores are up!
Message 4 of 16
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CreditMagic7
Mega Contributor
‎03-05-2014 08:22 PM
‎03-05-2014 08:22 PM

Re: Closed CreditOne!!!!

Good move on your part.

Nice to unload excess baggage that weighs your progress down. Looks better too.
Message 5 of 16
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SunriseEarth
Moderator Emeritus
‎03-05-2014 08:37 PM
‎03-05-2014 08:37 PM

Re: Closed CreditOne!!!!

@CreditMagic7 wrote:
Good move on your part.

Nice to unload excess baggage that weighs your progress down. Looks better too.

Thank you.  I think so, too.  I'm grateful that they offered me credit when no one else would, but their purpose has been served.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 6 of 16
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gdale6
Moderator Emeritus
‎03-05-2014 09:30 PM
‎03-05-2014 09:30 PM

Re: Closed CreditOne!!!!

@SunriseEarth wrote:

I just closed my Credit One account tonight over the phone.  When they asked why, I told them I didn't like their no-grace period, their AFs, their pay-for-CLIs, and their not-so-hot APR.   The agent informed me about the account reporting to the three CRAs (which is true...Credit One never showed up on Innovis) and I said I still want to close it.

 

Woo hoo!!   Progress!!

 

I should have said "Keep it!  I've got an AMEX now!"   LOL

Bye Bye Sherman Financial Group.... Congrats, no loss here Smiley Happy

Message 7 of 16
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-Wade-
Valued Contributor
‎03-05-2014 09:31 PM
‎03-05-2014 09:31 PM

Re: Closed CreditOne!!!!

@SunriseEarth wrote:

I just closed my Credit One account tonight over the phone.  When they asked why, I told them I didn't like their no-grace period, their AFs, their pay-for-CLIs, and their not-so-hot APR.   The agent informed me about the account reporting to the three CRAs (which is true...Credit One never showed up on Innovis) and I said I still want to close it.

 

Woo hoo!!   Progress!!

 

I should have said "Keep it!  I've got an AMEX now!"   LOL

Congrats on giving them the AXE Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 8 of 16
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BearsAndTurtlesRtheBest
Senior Contributor
‎03-05-2014 09:58 PM
‎03-05-2014 09:58 PM

Re: Closed CreditOne!!!!

Congrats!! Movin up!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 9 of 16
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SunriseEarth
Moderator Emeritus
‎03-05-2014 10:38 PM
‎03-05-2014 10:38 PM

Re: Closed CreditOne!!!!

Thank you, all!   It feels great!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 10 of 16
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