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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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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
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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
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Established Contributor
Posts: 554
Registered: ‎09-28-2012
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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
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Re: Paid off my balances- Feels good!

Tx everyone. It does feels good when one has their credit in order. :smileyhappy:
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
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Re: Paid off my balances- Feels good!

Zero debt is the BEST debt for sure!

 

Congrats on your pay off...

Ray

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

Member
Posts: 6
Registered: ‎01-01-2013
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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
Contributor
Posts: 81
Registered: ‎08-03-2012
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Re: Paid off my balances- Feels good!

Great Job!

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


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