@Anonymouswrote:I wanted to give my heartfelt thanks and appreciation for the person who posted this link! I signed up just to leave this message. I had a QuicksilverOne with an annual fee for over a decade. It started as a subprime card with another company Cap1 bought. Through the years, as my credit vastly improved, I didnt have the heart to get rid of the card. Primarily because they were so good to me when I had bad credit, but also that they gave me 1.5% back and a QuicksilverOne for no reason when they bought my original card company. I thought that was the single nicest thing a credit card company had ever done for me because they made me feel like a prime customer getting a percentage back rather than the subprime and bad credit origins I came from. It also helped greatly that they kept the really small $19 annual fee. Through the years, that annual fee was the only thing I still wanted to improve in a perfect world scenario so Ive called in many times over the years. I used to get annual fee credits regularly, but thats only if I remembered or cared that particular year. During the last year, I decided to get off the debt/ credit rollercoaster and have been 100% Dave Ramsey plan full steam ahead. I paid off and closed all of my credit cards but this one QuicksilverOne. I also paid off and closed 2 car loans and 2 personal loans. I really honestly didnt care anymore what my credit score is anymore because I know I will never need or use credit again on the Dave Ramsey Plan. So out of the blue, after Ive closed out like 50 lines of credit and debt, I get an email this morning telling me Cap1 had increased my QS1 limit from 2000 to 5000! Here I am, not caring about credit a whit anymore, closing my accounts like crazy, and in doing so my credit score somehow increased 30 points and cap1 (my only card left) gave me a huge increase. So I accepted that, and then I found this forum topic. I clicked the link and now my $5000 recently increased QuicksilverOne is now a Quicksilver with no annual fee!! Just like that, thanks to this poster. So thank you and this is the only remaining credit card I will ever have
They dont want you to go. I heard about the Dave Ramsey plan. I am stuck between two sides. credit or all cash. Both have benefits if played right.
