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I'm feeling a little lighter...

Established Contributor

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!  Smiley Happy

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
12 REPLIES
Valued Contributor

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!  Smiley Happy


What did they do, that made you cancel it?

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Mega Contributor

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!  Smiley Happy


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




EQ FICO 548 3/3/16
Valued Contributor

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

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

Love cutting up sub prime cards, and some prime if the piss me offSmiley Happy
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Mega Contributor

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!




EQ FICO 548 3/3/16
Established Contributor

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!  Smiley Happy


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!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Established Contributor

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!  Smiley Happy


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



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

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Mega Contributor

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.



EQ FICO 548 3/3/16
Established Contributor

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...  Smiley Happy

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego