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Credit One...BYE BYE!

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Valued Member

Credit One...BYE BYE!

Called Credit One to cancel card, and was asked multiple times why, and I explained that my limit is $900 (has been same for 4 years lol) and ther'es an annual fee and I have multiple cards with over 15K limit, no fees and their counter was..."I'm sorry, we can do nothing more for you at this time(to remove fee and raise limit etc)." LOLOLOL BUH BYE!! 

 

Feels pretty good, have to say. No longer have any more of the "predatory" cards with maitenance fees, annual fees or pathetic low limits and awful terms Smiley Very Happy

Message 1 of 13
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Regular Contributor

Re: Credit One...BYE BYE!

Great job! Congrats!
Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
Message 2 of 13
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Valued Contributor

Re: Credit One...BYE BYE!


Credit One has served its purpose, nice to know you can move on. Congrats!

















Your FICO credit scores are not just numbers, it’s a skill.

Message 3 of 13
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Senior Contributor

Re: Credit One...BYE BYE!

Na Na Na Na, Na Na Na Na, Hey Hey Hey Goodbye



”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 4 of 13
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Frequent Contributor

Re: Credit One...BYE BYE!


@RamblingDaveyAlex wrote:

Called Credit One to cancel card, and was asked multiple times why, and I explained that my limit is $900 (has been same for 4 years lol) and ther'es an annual fee and I have multiple cards with over 15K limit, no fees and their counter was..."I'm sorry, we can do nothing more for you at this time(to remove fee and raise limit etc)." LOLOLOL BUH BYE!! 

 

Feels pretty good, have to say. No longer have any more of the "predatory" cards with maitenance fees, annual fees or pathetic low limits and awful terms Smiley Very Happy


It is a great feeling, isn't it?  Those cards serve their purpose, but it is so fulfilling when you can say BUH BYE and move on!

Starting FICO 8 December 2017

FICO 8 as of 6/7/20



Sock Drawer:

Message 5 of 13
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New Contributor

Re: Credit One...BYE BYE!

Congratulations!

Message 6 of 13
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Regular Contributor

Re: Credit One...BYE BYE!

Congratulations!

 

On Fire.gif




Message 7 of 13
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Contributor

Re: Credit One...BYE BYE!

Yep....like a prior post mentioned, these cards serve a purpose, and help with builds/rebuilds (for a cost),

 

but they are not for long term credit relationships.  Glad you were able to cut that cord with them.


QS WMC $9.2k | Merrick Visa $4.3k | Saks WEMC $7k | Eddie Bauer $4k | Caesar Rewds VSig $25k | PayPal Extras MC $10k | Lexus Pursuits VSig $24.7k | Macy's AMEX $18k | Citi Smplcty MC $6.1k | SFFCU VIsa $5.5k| Wells Fargo Propel AMEX $15k | Citi Costco VSig $6k | Bloomingdales $13.1k | Wells Fargo Cash Wise VSig $5k | AMEX Cash Magnet $4k | Discover IT $4k | Chase Frdm Unlmtd VSig $8.7k |
Message 8 of 13
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Established Contributor

Re: Credit One...BYE BYE!

Congratulations!

Message 9 of 13
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Community Leader
Senior Contributor

Re: Credit One...BYE BYE!

Congrats! You probably could have gotten rid of it 4 years ago lol 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 10 of 13
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