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Finally paid off my credit card debt!

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New Contributor

Finally paid off my credit card debt!

I amassed a decent amount of credit card debt during the transition of graduating college, moving across the country, and starting a new job. I ended up with around $4,000 of debt on 0% APR cards. I had been making regular payments to make sure I would have it paid off before the 0% ended. Luckily, this tax season was fairly fruitful and I was able to pay off all but $500. Then my fiance started having wisdom teeth issues and had to pay $1,000 out of pocket for the extraction procedure so that bumped us back up to ~$1,500. With proper budgeting over the past few months I was able to get it back down to ~$400. Needless to say I just sent in a payment for the rest of the balance and no longer have any credit card debt! Now I just need to focus on paying off our car loan and continue chipping away at the student loans.


Total CL: $40,300

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Goal: 0 Inquiries for a year
Message 1 of 13
12 REPLIES 12
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Contributor

Re: Finally paid off my credit card debt!

Congratulations on paying off your debt!
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU FICO 8 Scores 6/16/2019 770 EX 798 EQ 791 TU

Wells Fargo Cash Wise $20,000 [] PenFed Power Cash $20,000 [] HSBC Cash Rewards $3,750 [] Discover It $5,100 [] Maurice’s $5,000 [] CO Savor $15,000 [] NFCU Flagship $18,000 [] Amex Rose Gold [] Walmart $800 [] Kohl’s $1000 [] Amazon Store Card $300 [] American Express Cash Magnet $1000 [] USAA Cashback Rewards Plus American Express Card $4500 []
Message 2 of 13
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Regular Contributor

Re: Finally paid off my credit card debt!

Congrats! Keep the same focus and momentum going!
Message 3 of 13
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Super Contributor

Re: Finally paid off my credit card debt!

Congratulations! Well done! 


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 4 of 13
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Senior Contributor

Re: Finally paid off my credit card debt!

Congrats!

F8 EQ: 805 | EX: 800 | TU: 795 | Accounts: 0/6 2/12 9/24
Happy practitioner of AZE5or6or7or8
Message 5 of 13
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Mega Contributor

Re: Finally paid off my credit card debt!

Congrats!! "FREE AT LAST"

Message 6 of 13
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Regular Contributor

Re: Finally paid off my credit card debt!

Congratulations!

 

Message 7 of 13
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Valued Contributor

Re: Finally paid off my credit card debt!

Way to go on paying off that debt!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 8 of 13
Moderator

Re: Finally paid off my credit card debt!

Congrats! 

07/03/2020. Had a dream I couldn't complete Resident Evil 7 speedrun, so I got up and finished it under 3 hrs. Now that's what I call adulting!
Message 9 of 13
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Established Contributor

Re: Finally paid off my credit card debt!

Congrats!  I know what you mean, my 24k limit was maxed out only aobut 7  months ago and managed  to get it down to zero and a 6k increase!  It's such a good feeling to be credit card debt free!  Keep it up! Smiley Happy

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