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Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Last CC debt paid

That last pesky BoA account is finally paid off. It took me much longer than I thought it would but life and living have a way of upsetting plans and goals. Smiley Happy I can't remember the last time I didn't have CC debt. It must be decades. It's a new and strange feeling.

 

The util on it will go from about 65% to 0. I might get a nice little boost on my score but the main motivation was always to be CC debt free. AND my overall debt is down into five figures now. I was probably in my early 20's the last time that was true. I just wanted to spread my good news.

 

 

Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".

 

P.S. What was I saying about life getting in the way? Monday my wife will get two crowns. Out comes the CareCredit card. <Sigh>  At least I will be CC debt free for 24 hours!!! LOL

Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
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Re: Last CC debt paid

Excellent work! Feels great doesn't it.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: Last CC debt paid

Congratulations! Your hard work is what did it. Sleep well..
Moderator
Posts: 17,419
Registered: ‎07-14-2009
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Re: Last CC debt paid


plasticman wrote:
Congratulations! Your hard work is what did it. Sleep well..

Thanks. I will sleep well until Monday morning when the dentist asks "How will you be paying for this?Smiley Very Happy

 

Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: Last CC debt paid

A very hardy LOL!
Regular Contributor
Posts: 129
Registered: ‎05-17-2008
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Re: Last CC debt paid

Congratulations!!!!
Regular Contributor
Posts: 116
Registered: ‎06-19-2009
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Re: Last CC debt paid


marinevietvet wrote:

plasticman wrote:
Congratulations! Your hard work is what did it. Sleep well..

Thanks. I will sleep well until Monday morning when the dentist asks "How will you be paying for this?Smiley Very Happy

 


And that is when you look him right in the eye and with as straight a face is possible say "where are the dishes"?  Smiley Very Happy

Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
0

Re: Last CC debt paid

Welcome to the CC debt free club.  I remember how it felt when my last CC debt was PIF after my 25+ year reign of CC debt terror.

 

Dont worry about the dentist bill.  Being a CC debt free club member entitles you to charge on your CC and even revolve a balce if you have to as long as you have a date when it will be PIF. 1 year max if possible, 3 months is best.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Senior Contributor
Posts: 4,286
Registered: ‎05-01-2008
0

Re: Last CC debt paid

Congrats!!!  At least with Care Credit you'll have no interest for "X" amount of months!  Should be a nice stretch since they go by purchase price.

 

I'm not too far behind you on the debt free cc club.  Out of 5 cc's only one has a balance of about 6k. & my total util dropped to 48%!!  I am SO on a mission!!!  

 

Congrats again & news like this keeps us all motivated!  Smiley Wink



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Re: Last CC debt paid

At least with Care Credit you'll have no interest for "X" amount of months!

 

That's true. Paying zero interest helps alot. Funny thing though just about a year ago CareCredit had one of my highest rates if you didn't pay off in the alllowed time but now it's one of my lowest after all my rate jacks. LOL

How times can change quickly!!!  I've used this card several times without paying a cent in interest. You just have to have discipline (something I didn't have for many years) to pay it off in the interst free time period.

 

 

Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".

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