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Regular Contributor
jayrock24
Posts: 125
Registered: ‎08-28-2011

first premier cc

well i closed out my first premier cc today i had 2 of them but i got tired of the 150 bucks a year total per card well i called and said i have had this card for 4 plus years and my first 1 for 1 1/2 years before that and you cant offer me any thing its been at 300 for years until i called last week and threatend to close them both and they bump to 600 and 625 this was on the 6 i think any way i told them to close the second card because i nolonger need it they said well wait can i check for any offers 1 more time i said no thanks please close it and i payed them there 52 dollars i owed which technically was my money any way lol but im worried about the fact that im gonna loose that 4 plus years aaoa should i have kept it open or should i be fine with the 1 fp with even longer history as well as all my other cards and accounts

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
Contributor
TravisD
Posts: 94
Registered: ‎01-02-2013

Re: first premier cc

The line will stay on your report for 10 years after its closed so you're AAoA will not be affected.
........???................659 (FICO)................659 (TU08) ........
Moderator
09Lexie
Posts: 22,425
Registered: ‎09-13-2012

Re: first premier cc


jayrock24 wrote:

well i closed out my first premier cc today i had 2 of them but i got tired of the 150 bucks a year total per card well i called and said i have had this card for 4 plus years and my first 1 for 1 1/2 years before that and you cant offer me any thing its been at 300 for years until i called last week and threatend to close them both and they bump to 600 and 625 this was on the 6 i think any way i told them to close the second card because i nolonger need it they said well wait can i check for any offers 1 more time i said no thanks please close it and i payed them there 52 dollars i owed which technically was my money any way lol but im worried about the fact that im gonna loose that 4 plus years aaoa should i have kept it open or should i be fine with the 1 fp with even longer history as well as all my other cards and accounts


No offense but this is hard to follow without any punctuation. 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: first premier cc

Shut them BOTH down and get a prime card!!

You have the positive history now, dont get played ny them any further!



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
Frequent Contributor
dabrian
Posts: 271
Registered: ‎12-10-2012

Re: first premier cc

good riddance.

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