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"PIF"ed off!!

Valued Member

"PIF"ed off!!

I just PIF my ratejacked Chase card! My savings took a hit, but at least my UTIL will drop! $2,000 more cc debt gone!!
01/25/10 - TU 709, EQ 729, EX 705
Message 1 of 9
8 REPLIES
New Contributor

Re: "PIF"ed off!!

Way to go Dave!

 

I wish I could get a CC company to give me a 2k CL, lol.


Starting Score: 577 01/10/2010
Current Score: 660 07/06/2012
Goal Score: 720


Take the FICO Fitness Challenge
Message 2 of 9
Valued Member

Re: "PIF"ed off!!

Thanks! My CL is actually $3,500, I just had a $2,000 balance. I had my largest CL on another Chase card ($8,700) until they dropped it to $2,200 a few months back! They told me they did it to all former Provid/Wamu cards.
01/25/10 - TU 709, EQ 729, EX 705
Message 3 of 9
New Contributor

Re: "PIF"ed off!!

You must have a long credit history.

Mine is very short, longest is 2 years, average being one year.

 

None of my cards have over 400 CL =(

 

Working on it though.


Starting Score: 577 01/10/2010
Current Score: 660 07/06/2012
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 9
Moderator Emeritus

Re: "PIF"ed off!!


thedaveytrain wrote:
I just PIF my ratejacked Chase card! My savings took a hit, but at least my UTIL will drop! $2,000 more cc debt gone!!

Good job. All you need to do now is use it every few months and always PIF and never pay interest again.

Message 5 of 9
Super Contributor

Re: "PIF"ed off!!


thedaveytrain wrote:
I just PIF my ratejacked Chase card! My savings took a hit, but at least my UTIL will drop! $2,000 more cc debt gone!!

Congrats! You did the right thing.  No need to have a lot of money in savings when there's a CC balance with a high rate in your portfolio.    

Message 6 of 9
Established Contributor

Re: "PIF"ed off!!


cajunboy2208 wrote:

You must have a long credit history.

Mine is very short, longest is 2 years, average being one year.

 

None of my cards have over 400 CL =(

 

Working on it though.


That does not make sense?doyou have any baddies in the CBR?

-void
Message 7 of 9
New Contributor

Re: "PIF"ed off!!

I had 3 that were PTD...

They were medical.


Starting Score: 577 01/10/2010
Current Score: 660 07/06/2012
Goal Score: 720


Take the FICO Fitness Challenge
Message 8 of 9
Valued Member

Re: "PIF"ed off!!

Yup, I'm gonna put my cell phone or cable bill on it and PIF every month!
01/25/10 - TU 709, EQ 729, EX 705
Message 9 of 9