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Finally payed off my CC debt!!!!

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    Finally payed off my CC debt!!!!

    I just made my final payment today and am totally free of CC debt.

    I do have a question though. I cut my cards up a long time ago, but wouldn't it be helpful to my FICO score if I have one mailed to me and use it for only gas every month? I am able and disciplined enough now to pay the balance every month.

    #2
    Congrats! Yes, it would help your credit score, and give you rewards. Just be doubly sure that you pay it off every month.

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      #3
      Congrats on the payoff!!
      My other blog is Your Organized Friend.

      Comment


        #4
        Congrats.

        btw, if you only use a cc for gas, find a gas card with rewards. I like my Discover Gas Card, because they give 5% back on all gas purchases.

        Always pay it in full!

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          #5
          Congratulations!

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            #6
            Congrats!

            Congrats on the payoff! Yeah gas cards can be a great way to keep a credit score as well as save money on fuel. I had a shell gas card for a couple years and saved over $120 on fuel which is quite a few tank fulls!

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              #7
              Way to go! Great job!!

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                #8
                Good job! I did the same thing just a few days ago myself. It's a great feeling, isn't it?

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                  #9
                  You are my hero.

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                    #10
                    Good for you!

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                      #11
                      Congratulations....rewards are coming to town Santa Claus

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                        #12
                        Awesome very nice to hear that you paid off your debts.

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                          #13
                          Congrats!!!!! Must have been hard on you...

                          Hope my brother can clear his credit card debts soon also.

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                            #14
                            Credit Card Debt

                            Congrats,

                            Credit card debt is toxic. I try to never carry a balance. I only use it for major purchases and pay it off at once. I rather do without something than have to carry a cc balance. For some, however, emergencies do occur and a cc has to be used. That is understandable.

                            DF

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                              #15
                              The way to a high FICO is to have several cards with high limits and very low or no balances.

                              Even though you've paid them off (congratulations!) you probably hurt your score by closing accounts.

                              Credit cards are for paying for things with money you already have - keep that in mind and you'll be fine.

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