topic Re: Closing Credit Card--crazy fees! in Credit Cards

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Anonymous — Thu, 29 Aug 2013 23:13:00 GMT

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Re: Closing Credit Card--crazy fees!

marty56 — Sat, 15 Dec 2007 20:58:25 GMT

The your total available credit would be reduced less then 5% which I dont think would have too much of an efefct on your FICO. If the account is your oldest, it could inpact your score if the card say was 5 years old and all your other accounts are new.

If not, I would close that POS.

Re: Closing Credit Card--crazy fees!

marty56 — Sat, 15 Dec 2007 21:00:02 GMT

You should also show some activity on your other accounts. PIF each month of course

Re: Closing Credit Card--crazy fees!

MidnightVoice — Sat, 15 Dec 2007 21:06:41 GMT

Close it. It will stay on your report for 10 years and contribute to average age that way

Re: Closing Credit Card--crazy fees!

Anonymous — Sat, 15 Dec 2007 21:51:30 GMT

Won'[t hurt your score at all. It will not immediately drop off. I would definitely have a nicve burial service for that one.

Re: Closing Credit Card--crazy fees!

fused — Sun, 16 Dec 2007 03:27:28 GMT

Ouch! Ugly fees! Don't close that card, burn it! lol JK!

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Anonymous — Thu, 29 Aug 2013 23:23:37 GMT

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Re: Closing Credit Card--crazy fees!

Anonymous — Mon, 17 Dec 2007 16:36:18 GMT

atb, close the card, but make darn sure there is $0.00 balance on the cc when you close it.

I too had a card with such ridiculous fees, and closed it 2 months ago. It was hard for me to, as it was my first cc, and was contributing to the ave. age of the cc's.

But glad I did. And you will be too!

Re: Closing Credit Card--crazy fees!

pattycake — Mon, 17 Dec 2007 17:04:57 GMT

That sounds like a Credit One Bank account. Great rebuilder card, but not meant for long-term use! I closed mine a couple of years ago, as it was just too expensive, and I no longer needed it.

See if your other CCC's will give you CLIs to make up for the $250 loss in credit, but only if they don't do a hard pull on you.

Good luck!!!

Re: Closing Credit Card--crazy fees!

Anonymous — Mon, 17 Dec 2007 20:06:27 GMT

Close city, anyone charging you that many fee's with that low of a credit limit w/o any rewards deserves to go into the trash.

Close it up and save the money.

Re: Closing Credit Card--crazy fees!

NowIcare — Mon, 17 Dec 2007 20:36:34 GMT

Sounds like a FP CC.......

Get rid of them

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Anonymous — Thu, 29 Aug 2013 23:24:11 GMT

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Re: Closing Credit Card--crazy fees!

NowIcare — Wed, 19 Dec 2007 19:31:47 GMT

atb3183 wrote:
Yep, its First Premier. My balance is $0 so bye bye forever FP!!

I knew it. I cancelled mine about a month ago..............WOW it felt good to tell them.

They gave me the "I can waive the AF" I said what about the $6 monthly fee? "Im sorry sir we cant waive that" OK Please close

Re: Closing Credit Card--crazy fees!

Anonymous — Thu, 20 Dec 2007 15:25:40 GMT

fp is the worst. i closed it the day i got it. applied bank is not as bad until you get your limit above 1000--then the 6 dollars a month kicks in. now that's crazy--getting penalized for kicking up your cl.

Don't close it before you talk with them

Madison — Sat, 22 Dec 2007 17:37:33 GMT

Before you close it, call them and see if they will wave your monthly/annual fees. I had a card which charged an annual fee and they reversed the annual fee. If they are charging you a monthly fee, call them and see if they can upgrade you to a non fee card.

Re: Don't close it before you talk with them

Anonymous — Mon, 24 Dec 2007 05:28:59 GMT

They still are the worst.