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Contributor
jayrock24
Posts: 83
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 646 eq fico 656 ex fako 680 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) ........
Valued Contributor
09Lexie
Posts: 5,117
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. 



Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

Mega Contributor
LS2982
Posts: 14,447
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 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) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Regular Contributor
dabrian
Posts: 175
Registered: ‎12-10-2012

Re: first premier cc

good riddance.


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