How should I cancel First Premier to show $0 balance on CR?

[punkypink]

It's time to move on from First Premier. I havent used the card in months and months.... I only pay the $7 fee thats due every month. How do I cancel the card to show a $0 balance on my credit report instead of the $7 they charge me every month?

[spigot]

Eh, just close the account. They refunded the $7 monthly fee to bring me to a $0 balance when I closed my First Premier account.

[haulingthescoreup]

I'd pay the fee, wait till it's reflected online with a $0 balance, and then close. Print out screenshots of the $0 balance AND of the online confirmation that you closed it.

If you call to close, ask them to send you a letter verifying that your account was closed with a $0 balance, and save that letter!

Be sure to log into your account for several months after you closed it to make sure that they didn't sneak something back on.

[mross1080]

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@spigot wrote:

Eh, just close the account. They refunded the $7 monthly fee to bring me to a $0 balance when I closed my First Premier account.

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They did the same thing with me.

[Anonymous]

I applied for their cards and got approved, duh. After I got the card, i saw their fees and interest and didn't even activate the card. I think it's about $50 in fees already. Didn't touch the card, they reported to all three as paid on time for four months, then they closed it. I guess they helpped my credit for three months...

[Anonymous]

When I got the card and saw fees I cancelled

immediately.  No fees paid.