Reply
Frequent Contributor
digitaldiva
Posts: 331
Registered: ‎03-09-2011

I'm feeling a little lighter...

After much frustration with Capital One, I decided that enough was enough; and finally cancelled one of my cards with them.  I would have cancelled both, but I'm waiting for the other account to age for about six more months...

 

Never thought I'd feel so good about cancelling a credit card...but believe me, I do!  :smileyhappy:

Enjoying your freedom? Thank a servicemember and their family!!!
Valued Contributor
Repo-ed
Posts: 2,603
Registered: ‎02-09-2012

Re: I'm feeling a little lighter...


digitaldiva wrote:

After much frustration with Capital One, I decided that enough was enough; and finally cancelled one of my cards with them.  I would have cancelled both, but I'm waiting for the other account to age for about six more months...

 

Never thought I'd feel so good about cancelling a credit card...but believe me, I do!  :smileyhappy:


What did they do, that made you cancel it?


Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700

Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,093
Registered: ‎04-09-2011

Re: I'm feeling a little lighter...


digitaldiva wrote:

After much frustration with Capital One, I decided that enough was enough; and finally cancelled one of my cards with them.  I would have cancelled both, but I'm waiting for the other account to age for about six more months...

 

Never thought I'd feel so good about cancelling a credit card...but believe me, I do!  :smileyhappy:


The subprime ego booster................axe on my friend!!!!!




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
Valued Contributor
boomhower
Posts: 1,819
Registered: ‎09-20-2011

Re: I'm feeling a little lighter...

When you outgrow them cut them loose.  If you are stuck with a rebuilder it won't grow with you and you have to just shut it done at some point.

Established Contributor
Smug
Posts: 898
Registered: ‎12-21-2010

Re: I'm feeling a little lighter...

Love cutting up sub prime cards, and some prime if the piss me off:smileyhappy:
Experian® 759/Equifax® 655/TransUnion® 720
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $111,190.00
Goal 780!
Mega Contributor
LS2982
Posts: 15,093
Registered: ‎04-09-2011

Re: I'm feeling a little lighter...


boomhower wrote:

When you outgrow them cut them loose.  If you are stuck with a rebuilder it won't grow with you and you have to just shut it done at some point.


+1

 

I did get a CLI with my HH CC but I just don't see the point in having it anymore with the prime cards I have now, and $59 AF to boot!




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
Frequent Contributor
digitaldiva
Posts: 331
Registered: ‎03-09-2011

Re: I'm feeling a little lighter...


Repo-ed wrote:

digitaldiva wrote:

After much frustration with Capital One, I decided that enough was enough; and finally cancelled one of my cards with them.  I would have cancelled both, but I'm waiting for the other account to age for about six more months...

 

Never thought I'd feel so good about cancelling a credit card...but believe me, I do!  :smileyhappy:


What did they do, that made you cancel it?


Just got tired of dealing with them telling me that my account wasn't eligible for an increase (come on, after almost three years; with no missed payments?), poor customer service, billing errors...

 

I could go on but, well, everyone knows how they are...

Enjoying your freedom? Thank a servicemember and their family!!!
Frequent Contributor
digitaldiva
Posts: 331
Registered: ‎03-09-2011

Re: I'm feeling a little lighter...


LS2982 wrote:

digitaldiva wrote:

After much frustration with Capital One, I decided that enough was enough; and finally cancelled one of my cards with them.  I would have cancelled both, but I'm waiting for the other account to age for about six more months...

 

Never thought I'd feel so good about cancelling a credit card...but believe me, I do!  :smileyhappy:


The subprime ego booster................axe on my friend!!!!!



Thanks, LS!!  It's feels sooo good to let a subprime card go!  :smileyhappy:

Enjoying your freedom? Thank a servicemember and their family!!!
Mega Contributor
LS2982
Posts: 15,093
Registered: ‎04-09-2011

Re: I'm feeling a little lighter...

Household is 1 of the 2 subprimes I have left (cap1 is the other lol) but i need to keep them awhile longer, i think i can get CLI's from them even though its extremely rare. HH is going down this week.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
Frequent Contributor
digitaldiva
Posts: 331
Registered: ‎03-09-2011

Re: I'm feeling a little lighter...


LS2982 wrote:
Household is 1 of the 2 subprimes I have left (cap1 is the other lol) but i need to keep them awhile longer, i think i can get CLI's from them even though its extremely rare. HH is going down this week.


Cap1 is my other subprime card as well, but I want to let that account age for a bit before letting them go...  :smileyhappy:

Enjoying your freedom? Thank a servicemember and their family!!!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+