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Paid off all of my CCs except one

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Roisin
New Contributor

Re: Paid off all of my CCs except one

Gosh, @madmann26, I bet that feels marvelous. Kudos to you!

Message 11 of 26
SouthJamaica
Mega Contributor

Re: Paid off all of my CCs except one


@madmann26 wrote:

It's bonus time of the year for me. I had accumulated some debt over the last year and this morning I paid it all off, except one just because it's auto-paid every month and I didn't want my total utilization to drop to 0%.

 

I was at 54% total utilization and my scores were holding steady at 675-680 (actual FICOs).

 

Time to kick back and relax.


Congratulations on wiping out that utilization.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 12 of 26
madmann26
Valued Contributor

Re: Paid off all of my CCs except one

I made the cutoff for one of my cards - 73% down to 1% because of interest I think -

 

No score update(s) yet.

2023-03-05 11_23_20-Alerts _ myFICO.png

Current FICO 9 Scores



Message 13 of 26
EAT_SLEEP_JEEP
Valued Contributor

Re: Paid off all of my CCs except one

its a great feeling getting that yoke off of your neck when you pay off your cards. It will feel like you got a raise each check not having to pay them anymore.  Congrats

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $38,000 CL/ NFCU MORE REWARDS $33,000 /

SOCKDRAWERED FNBO JEEP CARD $7700/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
Message 14 of 26
OmarGB9
Community Leader
Super Contributor

Re: Paid off all of my CCs except one

Very nice, congrats!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 15 of 26
Epiki71
Regular Contributor

Re: Paid off all of my CCs except one


@EAT_SLEEP_JEEP wrote:

its a great feeling getting that yoke off of your neck when you pay off your cards. It will feel like you got a raise each check not having to pay them anymore.  Congrats


Wow, I identify myself with this post, very true.

 

OP, congrats on your achievement.

 

 

Last Signature Update: 03/08/2023





Message 16 of 26
SweetCreditObsession
Valued Contributor

Re: Paid off all of my CCs except one

Congratulations! May you manage to maintain this sweet feeling...and low utilization indefinitely.😀



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 17 of 26
TryItAgain
Regular Contributor

Re: Paid off all of my CCs except one

Excellent, we'll done! That has to feel like a huge weight you carried for years lifted off you shoulders, Awesome. 👌 

(Ch7 Discharged 12/12) AvgScore 807

Personal-
NFCU Platinum 50k | NFCU Flagship 20k | NFCU More Rewards 10k | NFCU NavChek PLOC 15k | PenFed Power Cash 25k | PenFed Gold 15k | PenFed Pathfinder 10k | PenFed OLOC 3K | GTE Financial CU 15k | VyStar CU Cash Back 25k | VyStar CU PLOC 15k | FNBO Evergreen 25k | FNBO 11.85K | BofA Cash Rewards 10.1k | Capital One Venture 13k | Capital One QS 7k | PNC Cash Rewards 15.5k | Citi Costco 8.5k | US Bank Cash+ 10k | Discover 14.8k | Discover 14.1k | Regions Cash 6k | Truist Enjoy Cash 9k | Truist Future 6.5k | Elan Max Cash 7k | Wells Fargo Reflect 20k | Fifth Third 7k | USAA PrefRew 15k | CFNA Tires Plus MC 8k | GM Rewards 3.5k | TD Bank Cash 3.5k | Amex BCP 3K | Lowes Store 30k | Sleep Number Store 13.5k | Home Depot Store 10k | Amazon Store 10k | Care Credit 15k | Walmart Store 6k | JCrew 25k | Jared 18.6k | HSN 4.1K | King Size 4k | Buckle 3.1k

Business-
Amex BBC 25k | Amex BBP 22k | Amex Business Platinum NPSL 30.4kPoT | Citizens Business Everyday 35k | Sams Club Business MC 25K | US Bank Business Plat 24k | Capital One Spark 2% 22k | Marcus GM Business 12.5k | Capital On Tap 2% 10k | Chase Ink 3k | Divvy 7k | PNC BLOC 50K | Citizens BLOC 50K | (Private) BLOC 75K | WEX Business Access Fuel 30k | Sams Bus Store 25k
Message 18 of 26
madmann26
Valued Contributor

Re: Paid off all of my CCs except one

A couple of more cards are reporting as $0 balance but no score movement yet.......... /tapsfoot

Current FICO 9 Scores



Message 19 of 26
madmann26
Valued Contributor

Re: Paid off all of my CCs except one

I'm still reporting 37-41% util depending on which report you look at.

Still waiting on updates.....I think I'd rather watch paint dry.

Current FICO 9 Scores



Message 20 of 26
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