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Valued Member
jrcred
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
avggoal700
Posts: 250
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.




Next on wish list: Amex Blue everyday, Sallie Mae, Chase Feeedom
Valued Contributor
MissMoni223
Posts: 2,373
Registered: ‎03-23-2014
0

Re: Finally!!

CONGRATS!!! I agree that this site is very helpful and full of great advice! :smileyhappy:

Last App: 7/26/14
Gardening Until Further Notice
23 Credit Cards
Senior Contributor
lg8302ch
Posts: 3,091
Registered: ‎11-13-2012
0

Re: Finally!!

Congrats ...it is always nice to hear success stories :smileyhappy:

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Community Leader
Mega Contributor
coldnmn
Posts: 15,818
Registered: ‎08-08-2011
0

Re: Finally!!

Congrats! Thanks for sharing your journey.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Senior Contributor
alvon123
Posts: 9,025
Registered: ‎09-24-2013
0

Re: Finally!!

congrats!!!


Frequent Contributor
Transmogrifying_Bee
Posts: 263
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!!!

myFICO SCORES (11/14): EQ 790 || EX 792 || TU 793 | Discover FICO (12/14) TU 793 *** FICO GOAL: 800+ *** TOTAL CL: $113.4K
FAKO SCORES (12/14): Credit Karma (TU) 790 || Credit Sesame (EX) 804 || Credit.com (EX) 801 || Quizzle (12/14) VS3.0 EQ 817

NASA FCU Rwds Visa 30K || Amex BCE 25K || PayPal Extras MC 20K || Chase Sapphire Visa Sig 12K || Chase Freedom Visa Sig 10K Discover it 8.5K || Citi Diamond Preferred MC 7.9K
Valued Contributor
BigBS
Posts: 2,266
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 - $34.5K | AMEX Delta SkyMiles Gold - $10.4K | AMEX Platinum - NPSL | BofA BBR VISA - $15K | BofA Merrill Lynch + VS - $15K | Barclaycard Arrival WMC - $17.5K | Chase freedom VS - $5.5K | Citi TY Pref WMC - $23.9K | Coldwater Creek MC - $15K | Discover it - $14.5K | FIA AMEX - $16K | Synchrony Bank/HH Gregg - $10K | LMCU PP VISA - $10K | NFCU cashRewards VS - $30K | NFM (Store Card) - $6K | PFCU Platinum CRV+ - $39K | US Bank Cash+ - $16.5K | US Bank Cash+ - $12.5K | USAA WMC - $20.3K Last HP 24 Oct 14 - Gardening into 2016.
Established Contributor
creditFiend
Posts: 739
Registered: ‎12-14-2013
0

Re: Finally!!

Awesome! Congrats! Thanks for sharing

*hover over images
Valued Contributor
gdale6
Posts: 9,476
Registered: ‎12-13-2013
0

Re: Finally!!

Grats to your success :smileyhappy:

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706

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