Credit Cards Center Credit cards from our partners
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: Paid off my balances- Feels good!

That's good! Congrats! I can't wait to pay off my balances! 2 cards to go!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Paid off my balances- Feels good!

Congrats on paying the cards off!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Established Contributor
Posts: 554
Registered: ‎09-28-2012

Re: Paid off my balances- Feels good!

[ Edited ]

Congrats! I don't keep credit card debt, but I am sure I will feel the joy once my school loans are paid off.  I have about 40k in student loans that I am going start tackling this year, and finish next year if I don't go to grad school.   

TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!

Regular Contributor
Posts: 243
Registered: ‎02-29-2012

Re: Paid off my balances- Feels good!

Tx everyone. It does feels good when one has their credit in order. 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
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007

Re: Paid off my balances- Feels good!

Zero debt is the BEST debt for sure!


Congrats on your pay off...


** Every Card has a Job, and Every Card does its Job **

Posts: 6
Registered: ‎01-01-2013

Re: Paid off my balances- Feels good!

Congrats on paying everything off. Looking forward to doing the same thing once my big check clears this upcoming week with the bank. Over a year of high balances and now I'm finally going back down to 0% utilization.


On a related note, how long should one wait after paying off high balance cards to apply for another card? I know it sounds irresponsible, but I'm looking to replace my Best Buy rewards card with a cash back card like Chase Freedom or AMEX Blue Preferred for everyday purchases.

In My Wallet: Best Buy Rewardzone 2.25K | Wells Fargo Platinum 1.4K | Amazon Store Card (GE) 2.8K | Banana Republic Store Card (GE) 1.2K

Starting Score: 647 EQ (1/1/13)
Current Score: 766 EQ (2/10/13)
Goal Score: 720
Posts: 81
Registered: ‎08-03-2012

Re: Paid off my balances- Feels good!

Great Job!

Transunion 698
Equifax 713
Experian 700
Goal Score 750
Frequent Contributor
Posts: 262
Registered: ‎03-07-2009

Re: Paid off my balances- Feels good!

Congrats OP! I know all about that feeling. It's like a huge weight lifted off of your shoulders. Enjoy the score boost, and Happy New Year to you! Here's to responsible spending and minimal debt for the year to come. Smiley Very Happy

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.