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Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Finally!!

I always read the thread with people saying thanks to this community for helping on their road to credit recovery, but never really thought about how good it felt until I could finally do the same.  Today I got my Chase Freedom, Discover IT and Bank of America Signature Visa cards in the mail, and was able to close the horrid First Premier card and the toy limit Best Buy Mastercard.  That is $138 in annual fees that I won't be paying any more, feels great.

 

I don't post a ton, but thanks for all the stories, I have learned so much by being a member of this community.  This site has taught me patience, and helped me lay out a road map to get my credit profile together.

 

My next step is to close my $3k Capital One secured card, and I will be able to do that as soon as the balance transfer clears.  After I close that account, my last annual fee card will be closed, and when I get the money I put into the card back I can pay the entire balance transfer off immediately with almost $2k left to pay down other credit and really put myself in a good place.   Thanks again everyone!

Frequent Contributor
Posts: 274
Registered: ‎03-31-2014
0

Re: Finally!!


jrcred wrote:

I always read the thread with people saying thanks to this community for helping on their road to credit recovery, but never really thought about how good it felt until I could finally do the same.  Today I got my Chase Freedom, Discover IT and Bank of America Signature Visa cards in the mail, and was able to close the horrid First Premier card and the toy limit Best Buy Mastercard.  That is $138 in annual fees that I won't be paying any more, feels great.

 

I don't post a ton, but thanks for all the stories, I have learned so much by being a member of this community.  This site has taught me patience, and helped me lay out a road map to get my credit profile together.

 

My next step is to close my $3k Capital One secured card, and I will be able to do that as soon as the balance transfer clears.  After I close that account, my last annual fee card will be closed, and when I get the money I put into the card back I can pay the entire balance transfer off immediately with almost $2k left to pay down other credit and really put myself in a good place.   Thanks again everyone!


Must be a great feeling.  Congrats.




EX 706. TU 702. EQ 673. Avg 694.
Senior Contributor
Posts: 4,613
Registered: ‎03-23-2014
0

Re: Finally!!

CONGRATS!!! I agree that this site is very helpful and full of great advice! Smiley Happy

Last App: 4/6/16
Gardening Until Further Notice
23 Credit Cards (9 Major Banks & 8 Store Cards)
No AF's/Overall Utilization Hovers around 4%
Community Leader
Senior Contributor
Posts: 5,410
Registered: ‎11-13-2012
0

Re: Finally!!

Congrats ...it is always nice to hear success stories Smiley Happy

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Mega Contributor
Posts: 17,123
Registered: ‎08-08-2011
0

Re: Finally!!

Congrats! Thanks for sharing your journey.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Senior Contributor
Posts: 10,277
Registered: ‎09-24-2013
0

Re: Finally!!

congrats!!!

.
Frequent Contributor
Posts: 290
Registered: ‎12-01-2012
0

Re: Finally!!

Congratulations!  Must be a GREAT feeling to be able to finally close those high fee CC's!  And you have some nice new cards to build upon.  Well done!!!

FICO Score 8: EQ 813 EX 809 TU 815 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 823 EX 818 TU 821
TOTAL CL (6 cards): $118.9K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 1(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+

NASA FCU Rewards Visa 30K || Amex BCE 25K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 12.4K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Valued Contributor
Posts: 2,637
Registered: ‎02-18-2014
0

Re: Finally!!

You should feel wonderful about what you have accomplished.  You are on the right path for continued success.

AMEX (BCP - $25K, Platinum - NPSL, SimplyCash Plus Business - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Established Contributor
Posts: 1,001
Registered: ‎12-14-2013
0

Re: Finally!!

Awesome! Congrats! Thanks for sharing
Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
Moderator
Posts: 28,108
Registered: ‎12-13-2013
0

Re: Finally!!

Grats to your success Smiley Happy


EX Fico 08 Bankcard 09/16: 801 (-10) EX Fico 8; 774 (-9)
TU Fico 8 09/16: 773(-4)
EQ Fico 8 09/16; 778 (0)

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