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Valued Contributor
Posts: 2,118
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!

As of 2017, rebuilding...
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. 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: 2,156
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...


** Every Card has a Job, and Every Card does its Job **
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
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
Frequent Contributor
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. 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

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