I closed my Continental Finance card today! It feels good to not have that $15 monthly payment anymore longer. They are raising their monthly fee to $18 in October with a new change in terms. $18! That's crazy... I also finally saved enough money and opened a $1500 secured card with my local credit union SECU. It's been a long time coming. Now if I just need to cancel my First Premier card and wait for my collections to come off my CR in Oct and Nov.