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First Premier

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Anonymous
Not applicable
‎03-26-2012 06:38 PM
‎03-26-2012 06:38 PM

First Premier

I was approved for $1K "GREEN" Capital One credit card over the weekend, so I cut up and closed one of my 2 First Premier cards.  First Premier gave me a $45 credit on my 2nd account to keep it open. 

Message 1 of 6
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5 REPLIES 5
Repo-ed
Senior Contributor
‎03-26-2012 06:45 PM
‎03-26-2012 06:45 PM

Re: First Premier

Nice!

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 2 of 6
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Sha80
New Contributor
‎10-25-2012 03:32 PM
‎10-25-2012 03:32 PM

Re: First Premier

Did closing your account negatively impact your score? 

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Message 3 of 6
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madmann26
Valued Contributor
‎10-26-2012 05:49 AM
‎10-26-2012 05:49 AM

Re: First Premier

Sha80,

 

You may lose a few points for closing the tradeline. If the closure happened post 12 months of opening the account, your AAoA also takes a hit. If it's closed within 12 months, supposedly it doesn't take a hit.

Current FICO 9 Scores



Message 4 of 6
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Shogun
Moderator Emeritus
‎10-26-2012 06:18 AM
‎10-26-2012 06:18 AM

Re: First Premier

First Premier replaced with Amex.  Oh I bet that fealt good!!!!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 6
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Sha80
New Contributor
‎10-28-2012 12:21 AM
‎10-28-2012 12:21 AM

Re: First Premier

My account will be 2 years in December. It was my first cc post filing. Now that I'm discharged I'm afraid of closing the account & losing points I've worked so hard to obtain. However I feel like I'm buying points at $6 a month(annual fee).
Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Message 6 of 6
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