I have closed 2 of my sub primes including one today. firstly i made sure i paid them to zero and let another statement elapse just to make sure there was no phantom interest. last month i closed next gen first digital and today i closed applied bank visa.
before i called them i wrote down questions to ask them when i closed the cards,
name and any id number of the csr
verification i owed zero
request for written proof i closed account on that day
in both instances they said they would mail out a confirmation to me that i closed the account and i should receive it in 7-10 days.
i did receive the letter from first digital last month but after a few phone calls because the first csr i talked to was an idiot and knew very little, be prepared to write everything down.
i just paid reflex down to zero and next month plan to close that one.
in jan after i get an nfcu card i plan to get rid of a few more. i was courteous with the csr's when i called and thanked them for the opportunity.
i am in to the next tier of cards, lower interest, rewards, and bt's not to mention much higher sl's
{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
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