Re: Time to drop First Premier???

tboy1977 · ‎07-11-2012

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)

emptypockets · ‎02-03-2009

Drop it, no sense in paying fees for nothing.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (6/3/13): 799; EX (6/14/13: 790

Jlu · ‎06-12-2012

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

MarcinXP · ‎09-06-2011

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

MarineVietVet · ‎07-14-2009

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

tboy1977 · ‎07-11-2012

+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)

Madman94044 · ‎07-01-2012

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 757 TU 712 EX 712, Amex pull
Goal Score: 720
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 $6000 Discover More $1200.

KG1978 · ‎07-19-2012

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 ($1150), Kohls ($600), AF ($900), Crate and Barrel ($4000) Discover Miles ($2000), Blue Cash Everyday ($3000), Walmart Discover($3300), Target ($500), Blue Cash Preferred(2000) and Chase Freedom($3000).

linux007969 · ‎04-20-2012

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!!!

TU Score as of 6/4/13 - 681 | EQ Score as of 6/4/13 - 659
TU Score as of 12/6/12 - 732 | EQ Score as of 12/6/12 - 678
Ex Score as 0f 7/6/12 - 682 | (As of 3/9/13) - In Garden till April 2015. (Please help me stay on track)!!!

LS2982 · ‎04-09-2011

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 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013