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Bye-Bye Credit One !!!

New Contributor

Bye-Bye Credit One !!!

Happy to say I just got rid of Credit One !

 

I know I will see a bit of a hit to my Util% , but just could not stand paying their high fees any more. When they asked why I was closing the account and I told them because of the monthly fee the rep offered to waive it for 3 months if I would reconsider.  THAT was supposed to make me reconsider !!! ?

 

Scores Credit Karma TU=697 Vantage 727 | WalMart TU=709 | CreditSesame Exp=739 | Exp. FICO = 739 Barclays TU=706 Discover IT = 702

Discover IT $14,900 | BJ's Perks MC $5500 | TD Bank Visa Signature $5000 | Capitol One QuickSilver One $1600 | Capitol One Platinum Prestige $3000 | Merrick $4000 | Walmart $50000 | PayPal CS $1400 | Fingerhut $1800 | OCCU Duck $5000 | SG Visa $2000
Message 1 of 14
13 REPLIES
Senior Contributor

Re: Bye-Bye Credit One !!!

seriosuly they have no shame! "SMH" Well good thing is that you closed it and you are ready for better cards! Congrats on your success!

Message 2 of 14
Regular Contributor

Re: Bye-Bye Credit One !!!

Good job! Now, on to greener pasture!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 3 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Congrats! I was so happy when I closed mine a couple of months ago. Good riddance.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Congrats! That's just as satisfying as an approval! Smiley LOL


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 5 of 14
Valued Contributor

Re: Bye-Bye Credit One !!!

Good riddance and good for you!!

 

They served their purpose for you so it was time for them to kick rocks.

 

I got such a jolt as well out of shutting them down last month.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 14
Moderator Emerita

Re: Bye-Bye Credit One !!!

Just like losing that last 10 pounds! Awwww relief!
Message 7 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

Their days are numbered here.  Single digits....thats if they make it through today with me.  If I get two extra minutes somewhere they might not last the day. Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 8 of 14
Established Contributor

Re: Bye-Bye Credit One !!!

I am thinking they are getting the axe from me today. I called to cancel earlier and had the AF waived for the next 3 months...Just did it to mess with them. I'm ending my work day with the termination call.

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 9 of 14
Senior Contributor

Re: Bye-Bye Credit One !!!

Congrats!  Must be a good feeling.

Message 10 of 14