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10-27-2006, 03:22 PM
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Paid off all CC's
Got my paycheck today and paid off $347.68 in credit cards. Also I closed out 3 of them 2 are my oldest ones but the companies refused to eliminate the maintence fees (one was 6 one was 5.75 and one was 10.95
 savings will be around $240 a year for not having those fees) I know it will hurt my credit in the short run but since I just got done refinancing my house and paying of the last 4 collections on my report I'm hoping it will all balance out. Still have 7 cards between the wife and I (Each have our own capitol one, I also have 2 HSBC, Chase, Younkers and Home Depot all of which have no annual fees that I see in my statements) I did lose about $1900 in available credit but will save that over the long run by not paying fees. So I hope to run a credit check next month to see what kind of damage/ gains I have gotten. Any input on getting my credit score up? Craig Oh yeah we're thinking about moving to another state in 2 years as the wife can't make good money with her profession here, we have been thinking the Santa Fe, NM area anyone from around those part I might be able to get some info from (phone book/ numbers, building development, etc...  )
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10-27-2006, 03:41 PM
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Re: Paid off all CC's
Good for you!
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10-27-2006, 03:41 PM
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Re: Paid off all CC's
I don't know about credit scores, but OWING 0 ($$) is the best "credit score" of all! Way to go!
Diana
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10-27-2006, 03:41 PM
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Re: Paid off all CC's
Congratulations! 
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10-27-2006, 03:46 PM
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Re: Paid off all CC's
Well CraigThor - new furniture and wiping out the credit cards. Haven't you been busy!! YEAH YOU.
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10-27-2006, 04:03 PM
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Re: Paid off all CC's
Sure have. now its time to slow down abit and relax, have some good wine and enjoy being closer to debt free.
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10-27-2006, 04:10 PM
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Re: Paid off all CC's
and now the HAPPY DANCE.........................
 
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10-27-2006, 09:58 PM
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Re: Paid off all CC's
Hey, congrats!
I've got a good friend who has 4 maxed out credit cards. HOWEVER! They've cut them all up, and he's using a debit card. That too is worthy of celebrating! 
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11-21-2006, 07:05 PM
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Re: Paid off all CC's
Rock on, Craig!
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11-21-2006, 07:14 PM
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Re: Paid off all CC's
I am so pleased for you and the family. Well done.
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11-22-2006, 08:09 AM
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Re: Paid off all CC's
Good for you!!!!
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11-22-2006, 08:26 AM
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Re: Paid off all CC's
Yeah for you! We have 1 credit card to pay off. It is a very good feeling. We still have our mortgage and 2 loans. I can't wait to get those paid off. Shelli
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11-22-2006, 08:40 AM
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Re: Paid off all CC's
Congrats. I remember how wonderful it was to pay off the CCs.
Ever since then we have always paid the balance each month.
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11-22-2006, 08:56 AM
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Re: Paid off all CC's
Congrats!
Smart move balancing the pros and the cons and cancelling those fee-ridden accounts, despite their age. Sounds like you dont need that high of a credit score right now, anyways. It will definitely be better in the long run.
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11-22-2006, 02:24 PM
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Re: Paid off all CC's
Yeah, I have used the cards for work, as I work construction but i get reimbursed weekly and pay the balance once a week once I get reimbursed. The wife did just get approved for a new WaMu CC and got one in my name aswell on this account since it has no annual fees and low apr after the 0% till june. So we will definitly be paying off all the cards in full IF we use them. We also have a small EF saved up of $1k.
Craig
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11-22-2006, 02:34 PM
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Re: Paid off all CC's
Keep up the good work! You are an inspiration to us all!
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11-23-2006, 04:09 PM
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Re: Paid off all CC's
Good for you!!!!
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