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Contributor
Posts: 221
Registered: ‎07-11-2012
0

Re: Time to drop First Premier???

Ditch that bottom feeder now that you've got some heroes.  Goodbye First Premier.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
Established Contributor
Posts: 1,047
Registered: ‎02-03-2009
0

Re: Time to drop First Premier???

Drop it, no sense in paying fees for nothing.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Established Contributor
Posts: 929
Registered: ‎06-12-2012
0

Re: Time to drop First Premier???

As Snoop Dogg so eloquently put it: "drop it like it's hot".

JP Morgan Select $10k | Citi TY Premier $15k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Frequent Contributor
Posts: 309
Registered: ‎09-06-2011
0

Re: Time to drop First Premier???

Close it!!!!!! it's costing you $84 a year and I'm willing to be you are not even using it with the variety of cards you have now..heck you probably don't even carry it in your wallet. It's done it's job and it will be there for up to 10 years as good credit and history. Right now you are throwing $84 bucks a year away

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Moderator
Posts: 16,185
Registered: ‎07-14-2009
0

Re: Time to drop First Premier???


j_casteel wrote:

OlegWasHere wrote:

-Cain- wrote:

Does it have an AF? 

 

Personally, I'd close it. It will still report positive for 10 years, and when it drops your other cards will have aged with it. 


ok so im confused now. 

if  i close an account in good standing (0 balance) 

it will still report and age? just like other open used accounts? 


yes, accounts closed in good standing will continue to report for up to 10yrs. I think there is a sticky on this subject.


Closing Credit Cards

Contributor
Posts: 221
Registered: ‎07-11-2012
0

Re: Time to drop First Premier???

+1 (preach and thank you!)

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
Regular Contributor
Posts: 142
Registered: ‎07-01-2012
0

Re: Time to drop First Premier???

Thanks for the confirmation, I haven't used this card in about a year.

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Valued Member
Posts: 25
Registered: ‎07-19-2012
0

Re: Time to drop First Premier???

Be prepared to be offered no monthly fee for a year. I called last month to cancel and I just couldn't resist the offer. Now I'm gonna have to deal with them next year when I shoud have cut them out of my life. Stay strong, say "NO" and close it. 

My Wallet: Best Buy Store ($750), Care Credit ($4000) GE Broyll Hill ($6000), Amex Green Card, Citi Dividend MC ($6800), Citi Thank you Preferred ($9800), Amazon Store Card ($2500), Victorias Secret ($1550), Kohls ($600), AF ($1300), Crate and Barrel ($4750) Discover Miles ($5000), Blue Cash Everyday ($3000), Walmart Discover($5800), Target ($500), Blue Cash Preferred(2000) and Chase Freedom($3000), Amex Gold Delta (9200).
Established Contributor
Posts: 680
Registered: ‎04-20-2012
0

Re: Time to drop First Premier???


KG1978 wrote:

Be prepared to be offered no monthly fee for a year. I called last month to cancel and I just couldn't resist the offer. Now I'm gonna have to deal with them next year when I shoud have cut them out of my life. Stay strong, say "NO" and close it. 


I agree with KG,  today I got an unsolisited pre approved offer from First Premier for a Platinum Mastercard with a $700 CL, $175 AF & $525 initial credit line.... That junk is going in da shredder for sure, I'm not falling for that scam! CLOSE those Scam Artists!!!

 

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $10K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $4.5K | CapOne Spark BIZ Cash Select Visa Sig $5k |
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Time to drop First Premier???


Jlu wrote:

As Snoop Dogg so eloquently put it: "drop it like it's hot".


I believe that may be the "Hot Boys" kind sir.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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