Just gave FP the Axe and it felt good

CopperHD · ‎06-19-2012

I just got off the phone with FP to close my card and i was surprised that they did try to keep me and i use the word try loosly. They offered an increase to $450 or no monthly fees, one or the other but not both. While i still feel that i am rebuilding i feel that i no longer have a need for them anymore and with the joke limit and monthly fees their day had come. I was with them for about 3 years and just never got around to closing them, i did not have issues with them outside of their low limits and fees all aorund, then again i never really used the card either.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).

FrugalRican · ‎06-19-2012

Congrats. Looks like that Orchard might be next in line.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

CopperHD · ‎06-19-2012

Yes that one is along with credit one but they dont charge me monthly and i still have six months to go before the annual fee hits so i am inclined to keep them around a bit longer until i get one more real credit card to replace them with.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).

Jlu · ‎06-19-2012

If I had to pick between FP and CreditOne I'd have chosen the latter. No grace period!

FrugalRican · ‎06-19-2012

Didn't even see the CreditOne. That one should be next.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Jlu · ‎06-19-2012

I actually got approved for both a few weeks ago and as soon as I got the green light from Barclays I axed the CreditOne, I just refuse to be charged interest if I pay on time.

CopperHD · ‎06-19-2012

yeah it is a bit weird that there is no grace period but i dont use the card anymore anyways

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).

jordanmedical · ‎06-19-2012

When I try to do pre-qual for Credit one, I get declined so I opted for 2 secured cards for now.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge