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Feels good!

Frequent Contributor

Feels good!

Received my NFCU Flagshio Visa Sig card in the mail today with a starting limit of 12,500....so I called and cancelled my First Premier Bank credit card $300CL .

 

It feels good knowing a year ago, NO ONE would approve except FPB and they basically take advantage of you every step of the way. Now I can get a decent credit card. It felt good to cancel them before my next ridiculous AF had to be paid.

 

With this new card, and closing my FPB card, my AAoA will sure go down, but its worth it in the end. My util. wont be affected because the $300 wont be missed!

 

THANK YOU FOR ALL THE ADVICE ON THE BOARD. I LEARNED SO DANG MUCH ITS UNREAL!


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 1 of 9
8 REPLIES
Moderator Emerita

Re: Feels good!

Message 2 of 9
Frequent Contributor

Re: Feels good!

Thanks Smiley Happy I hope I went from the worst to the best!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 3 of 9
Frequent Contributor

Re: Feels good!

Although, Chase rewards programs really blow NFCU out of the water. Hope my new card will have leverage with Chase eventually

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 4 of 9
Valued Contributor

Re: Feels good!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 9
Mega Contributor

Re: Feels good!


dddfresh wrote:

Received my NFCU Flagshio Visa Sig card in the mail today with a starting limit of 12,500....so I called and cancelled my First Premier Bank credit card $300CL .

 

It feels good knowing a year ago, NO ONE would approve except FPB and they basically take advantage of you every step of the way. Now I can get a decent credit card. It felt good to cancel them before my next ridiculous AF had to be paid.

 

With this new card, and closing my FPB card, my AAoA will sure go down, but its worth it in the end. My util. wont be affected because the $300 wont be missed!

 

THANK YOU FOR ALL THE ADVICE ON THE BOARD. I LEARNED SO DANG MUCH ITS UNREAL!


Did FP try to keep you with waiving fees?? Smiley Very Happy

 




EQ FICO 548 3/3/16
Message 6 of 9
Established Contributor

Re: Feels good!

Congrats! You are on the right path in your credit journey!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 7 of 9
Frequent Contributor

Re: Feels good!

FP did not offer anything. The lady just said even if I dont use the card, they still report to bureaus and will help my credit. I told her I understand that, but dont want to pay the ridiculous fees and she said nothing. I asked for the CR to say "account closed by consumer" and she said that's what it will report as so we'll see.

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 8 of 9
Contributor

Re: Feels good!

That is so fantastic! I agree that without the knowledgeable people on this board I would not have made the strides I've made in the past six months!

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
Message 9 of 9