topic Re: Just closed credit one yay in Credit Cards

Just closed credit one yay

Anonymous — Tue, 07 Jul 2020 12:22:38 GMT

Junk card started out as 500, offered 1 cli to 750 that i had to pay a service fee on scores all over 700 never offered another increase seems as if they increase you only if you stay in debt and they collect that sweet interest money, called in April to cancel offered 3 months no fee to not close called today to close, took me back under 25k in lines but I think that card was just a blemish on my profile bucketed cap 1 will be next

Re: Just closed credit one yay

pete19103 — Tue, 07 Jul 2020 12:51:10 GMT

Any day you get of a Credit One card is a good day!!

@Anonymous wrote:
Junk card started out as 500, offered 1 cli to 750 that i had to pay a service fee on scores all over 700 never offered another increase seems as if they increase you only if you stay in debt and they collect that sweet interest money, called in April to cancel offered 3 months no fee to not close called today to close, took me back under 25k in lines but I think that card was just a blemish on my profile bucketed cap 1 will be next

Re: Just closed credit one yay

1GaDawg85 — Tue, 07 Jul 2020 15:01:24 GMT

Any time you can dump Credit One is a good thing!

Re: Just closed credit one yay

Adkins — Tue, 07 Jul 2020 15:10:49 GMT

Congratulations!

Re: Just closed credit one yay

M_Smart007 — Tue, 07 Jul 2020 15:15:18 GMT

@Anonymous, Congrats on closing the subprime card

Re: Just closed credit one yay

blindambition — Tue, 07 Jul 2020 15:20:01 GMT

Buh byye!

Re: Just closed credit one yay

805orbust — Tue, 07 Jul 2020 15:45:16 GMT

Well done. And good riddance. Just remember to sign into your online account every so often for the next 2 months. Those guys WILL hit you with extra fees on the way out. Just pay them, mission accomplished.

Congratulations.

Re: Just closed credit one yay

gdale6 — Tue, 07 Jul 2020 17:59:50 GMT

If it has served its purpose then it was time to close it out. I dont like doing business with such banks, this one is owned by the Sherman Group one of the largest collection agencies in the country. Kudos to you for kicking it to the curb!

Re: Just closed credit one yay

Anonymous — Tue, 07 Jul 2020 20:04:23 GMT

Thanks it was by far the worst card in my portfolio, monthly fee, highest apr, no grace period, one of the lowest limits, no reason to pay the monthly fee to keep it

Re: Just closed credit one yay

Anonymous — Wed, 08 Jul 2020 10:03:23 GMT

Close one and another door opens....too bad im being a good boy and am in the garden

Re: Just closed credit one yay

CreditobsessedinFL — Wed, 08 Jul 2020 14:07:23 GMT

@Anonymous wrote:
Junk card started out as 500, offered 1 cli to 750 that i had to pay a service fee on scores all over 700 never offered another increase seems as if they increase you only if you stay in debt and they collect that sweet interest money, called in April to cancel offered 3 months no fee to not close called today to close, took me back under 25k in lines but I think that card was just a blemish on my profile bucketed cap 1 will be next

Good riddance to bad rubbish, right? It served it's purpose.

Re: Just closed credit one yay

MidnightOwl — Sat, 15 Aug 2020 21:18:17 GMT

I called them on 8/7/2020 and told them I wanted to close the account and surprisingly, he didn't give me a hard time about it. Maybe it's because I told him that before he goes into his scripted speech on why I should stay with them, I told him upfront not to bother beading it because I am not going to keep it open and that I didn't have the time or patience to hear any of their so called glorious reasons to keep it open !!! It apparently worked because he said i'll close it right away. It was already on my credit reports 5 days later showing " Closed at consumers request " Good riddance to the parasites !!!

Re: Just closed credit one yay

JeffMO — Sat, 15 Aug 2020 21:43:21 GMT

@Anonymous wrote:
Junk card started out as 500, offered 1 cli to 750 that i had to pay a service fee on scores all over 700 never offered another increase seems as if they increase you only if you stay in debt and they collect that sweet interest money, called in April to cancel offered 3 months no fee to not close called today to close, took me back under 25k in lines but I think that card was just a blemish on my profile bucketed cap 1 will be next

Just did the same thing little over a week ago, capital one is next😏 good for you!

Re: Just closed credit one yay

CYBERSAM — Sat, 15 Aug 2020 21:54:46 GMT

Congrats great job!

Re: Just closed credit one yay

Anonymous — Sun, 16 Aug 2020 16:28:27 GMT

Closed those clowns out caused me to lose 1 point on vantage dont care

Re: Just closed credit one yay

AverageJoesCredit — Sun, 16 Aug 2020 11:31:42 GMT

@Anonymous wrote:
Closed those close clowns out caused me ti lose 1 put on vantage dont care

1 point can be devastating. I would reapply asap and recover that point back. In these times other lenders may cli you for that error.

Re: Just closed credit one yay

GApeachy — Sat, 22 Aug 2020 20:06:10 GMT

@JeffMO wrote:
@Anonymous wrote:
Junk card started out as 500, offered 1 cli to 750 that i had to pay a service fee on scores all over 700 never offered another increase seems as if they increase you only if you stay in debt and they collect that sweet interest money, called in April to cancel offered 3 months no fee to not close called today to close, took me back under 25k in lines but I think that card was just a blemish on my profile bucketed cap 1 will be next
Just did the same thing little over a week ago, capital one is next😏 good for you!

Good for you @Anonymous !!!! Congrats on turning another credit page.

@JeffMO Have you called to upgrade it to QS? Is it the regular Plat or secured? If regular, get on that phone....get you some rewards and then ask for a drop in apr and then ask for a couple extra k's. Ask, ask, ask. Might hit the sweet spot 3/4/3. Doesn't hurt to ask, 2 out of 3 ain't bad, 1 out of 3 ain't bad, 0 is bad.

Re: Just closed credit one yay

GApeachy — Sat, 22 Aug 2020 20:10:29 GMT

@Anonymous wrote:

Close one and another door opens....too bad im being a good boy and am in the garden

(I'll say this right up front...I'm a bad person, bad influence)

Okay, now don't you need 3 cards for scoring purposes? Someone, anyone? That excuse worked for me and it did help.

Re: Just closed credit one yay

JeffMO — Sat, 22 Aug 2020 21:10:07 GMT

It is a secured platinum that will never unsecure. Words right out of their mouth. I've called, complained and anything else I can think of and no joy. It's just a dead weight as far as I'm concerned. I even tried writing to the CEO out of desperation and all that got me was a phone call from one of his subordinates telling me the same story as before ☹ but as you can see I played the game and waited it out and now I dont need them, so sad for them because I'm so loyal they would have had a customer forever.

Anyways i am an authorized user on my fiancé UMB account so I have ample room still, but I might apply for another card to replace it im not sure yet. I'm pretty picky with what I want.

Still think it's worth trying @GApeachy ?

Re: Just closed credit one yay

GApeachy — Sat, 22 Aug 2020 20:56:34 GMT

@JeffMO wrote:
Still think it's worth trying @GApeachy ?

You like skeet shooting? Throw that bird way high in the sky