topic Re: Correct Way to Close First Premier Card Help ! in Credit Cards

Correct Way to Close First Premier Card Help !

Hollywood80 — Mon, 18 Apr 2011 20:57:17 GMT

The day has finally dawned upon me !!! I will be closing my first premier card today and Ive heard major horror story's.

Just got off the phone with service rep and I see exactly why. She instantly tried to sell me into keeping the card in which I kept denying. Then she proceeded to badger me with pointless incentives in which I again denied. I had a $6 balance and she got an attitude with me saying "I guess that 6 bucks is really hurting you huh." After that, I almost post my professionalism but I kept my cool. I asked for account balance removed and $0 balance closed at customers request sent to my address. We'll see what moves they try to pull from here. I am grateful of this card as it has served its purpose for 6 years. Now I have my gardening gloves on so I it makes total since to get rid of the thing. Also, the rep tried to talk about AAOA and credit help with high debt balances. I wanted to say "I've been a myfico.com forum member for years now lady, so save the drama for yo mama!" ha....

Re: Correct Way to Close First Premier Card Help !

Awesomely — Mon, 18 Apr 2011 21:58:57 GMT

Horrible, what a joke that she said that, good for not getting irritated. The card served you well.

Re: Correct Way to Close First Premier Card Help !

haulingthescoreup — Mon, 18 Apr 2011 22:17:47 GMT

Oh, wow, if someone said that to me, I would... I would...

Actually, I don't know what I would have said, but I don't think it would have been very nice.

So First Preemie customer service reps seem to be cross-training as collectors now.

Congratulations for movin' on up!

Re: Correct Way to Close First Premier Card Help !

texasman07 — Mon, 18 Apr 2011 23:48:14 GMT

Hey sorry to hear that. i closed my first premier last month with no trouble at all. I actually over paid my last payment to cover any cost. 5 dollars only so I had a credit. When I called to close it the rep asked why, i said cuz i have cards with rewards and no annual fees or monthly services charges. She said, okay makes sense. She then politely said, well if you want we can give you 6 dollar annual fee for the next year. I said no. She politely said okay your account is closed. I logged on line to see my balance and its all zeros. I do have a second first premier card that im closing this month. They applied the 5 dollar crredit to that account and also refunded the 6 dollar monthly service charge to give me a payment of 11 dollars on my second fp card. I guess its all about who you get on the phone. It hasnt reported yet to my CRA's but we will see. Good Luck

Re: Correct Way to Close First Premier Card Help !

LS2982 — Tue, 27 Dec 2011 02:26:00 GMT

I'm going to properly close my card Monday.

And I got my popcorn ready.........

Re: Correct Way to Close First Premier Card Help !

laz98 — Tue, 27 Dec 2011 02:47:21 GMT

when it was time to close mine, i just emailed them & told them to close it

Re: Correct Way to Close First Premier Card Help !

CS800 — Tue, 27 Dec 2011 03:03:25 GMT

@LS2982 wrote:
I'm going to properly close my card Monday.

And I got my popcorn ready.........

Did you shred it already?

When I closed my Cap one rebuilder with $500 CL, I kept the card as a reminder of where I was and where I never want to be ever again.

Re: Correct Way to Close First Premier Card Help !

pizzadude — Tue, 27 Dec 2011 03:30:19 GMT

Congrats on dumping FP !!!! They are truly one of the worst CCs, I'm glad that you saw through their laughable attempt to keep your business.

Re: Correct Way to Close First Premier Card Help !

Anonymous — Tue, 23 Sep 2014 01:50:46 GMT

Did it work by just sending an email? I finally make the decision of closing my fpb cc.... but to tell you truth am horrofiend for the things am reading. I need all the encouragement I could get.

Re: Correct Way to Close First Premier Card Help !

starry1 — Tue, 23 Sep 2014 01:58:56 GMT

@Anonymous wrote:
Did it work by just sending an email? I finally make the decision of closing my fpb cc.... but to tell you truth am horrofiend for the things am reading. I need all the encouragement I could get.

This is an old thread you're asking on. I closed my 1stP earlier this year and they did give me a long spiel trying to get me to keep the card, even a couple of lies about how it would hurt my credit. You already know what's going to happen, so just tough it out and get er done.

Re: Correct Way to Close First Premier Card Help !

laz98 — Tue, 23 Sep 2014 02:18:59 GMT

@Anonymous wrote:
Did it work by just sending an email? I finally make the decision of closing my fpb cc.... but to tell you truth am horrofiend for the things am reading. I need all the encouragement I could get.

Yes, it did. I emailed them from inside the account. No hassles at all. That was a while back, though, so I can't guarantee the same results. Good luck!