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Paid off my balances- Feels good!

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GoldenloveNY
Frequent 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!

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 1 of 18
17 REPLIES 17
tennisfan78
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

Take the FICO Fitness Challenge
Message 2 of 18
GoldenloveNY
Frequent Contributor

Re: Paid off my balances- Feels good!

Thanks. Smiley Happy

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 3 of 18
Imua
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

Message 4 of 18
visorboy1974
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
Message 5 of 18
kevinjjc
Valued Contributor

Re: Paid off my balances- Feels good!

Congrats, it's a great feeling indeed!

Message 6 of 18
tpmlls
New Contributor

Re: Paid off my balances- Feels good!

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

Message 7 of 18
creditnocash
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: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

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

Message 8 of 18
nicholasyud
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: ?
Goal Score: 800
Message 9 of 18
Cageym
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
Message 10 of 18
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