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Paid off my balances- Feels good!

Regular Contributor

Paid off my balances- Feels good!

Anyone feels awesome when they finally tackle their credit card debt, and pay everything off?

 

I have been running a huge balance on my secured card for several months, but I just paid it off. I had a balance in my discover card from November's spending, maxed out the remaining credit last month with holiday shopping, but paid it off everything today. The only debt I have right now is with my Amex charge card (1.2k), but I have the funds in my bank account (waiting for the statement to closed, then paying it off). 

 

What a great way to start a new year! Now, it's off to the garden and only using my cards for normal monthly spending. I can't foresee the future, but I have no intention of leaving a balance on my discover or secured card (I am being firm with that). I can't wait to apply for the BCP, Chase Freedom or CS, and Bankamericard Rewards come June or September. 

 

 

Cheers, and Happy New Year!

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
17 REPLIES
Established Contributor

Re: Paid off my balances- Feels good!

 

Wow, Congratulations!!!! Way to go!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Regular Contributor

Re: Paid off my balances- Feels good!

Thanks. Smiley Happy

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Frequent Contributor

Re: Paid off my balances- Feels good!


GoldenloveNY wrote:

Anyone feels awesome when they finally tackle their credit card debt, and pay everything off?

 

I have been running a huge balance on my secured card for several months, but I just paid it off. I had a balance in my discover card from November's spending, maxed out the remaining credit last month with holiday shopping, but paid it off everything today. The only debt I have right now is with my Amex charge card (1.2k), but I have the funds in my bank account (waiting for the statement to closed, then paying it off). 

 

What a great way to start a new year! Now, it's off to the garden and only using my cards for normal monthly spending. I can't foresee the future, but I have no intention of leaving a balance on my discover or secured card (I am being firm with that). I can't wait to apply for the BCP, Chase Freedom or CS, and Bankamericard Rewards come June or September. 

 

 

Cheers, and Happy New Year!


Hana hou (good job)!

it's a great feeling... and a great way to start the New Year Smiley Happy


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Valued Contributor

Re: Paid off my balances- Feels good!

Good job!  Way to ring in the new year!  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Valued Contributor

Re: Paid off my balances- Feels good!

Congrats, it's a great feeling indeed!

New Contributor

Re: Paid off my balances- Feels good!

That is great to hear, sounds like you have really been working on that!! 

Valued Contributor

Re: Paid off my balances- Feels good!

Congrats! it does feel great! 

 

Paid off my 0% deal at best buy 2200 in one shot(before interest kicked in) back in july!

looking to be back under my 4% reporting by feb! 

only 4k to go!

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: Paid off my balances- Feels good!

Very nice.....I wondre why dont you paid your Amex now instead wait till balance cut ;-)


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor

Re: Paid off my balances- Feels good!

Congrats, now just wait for the score bump.

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board