Officially credit card debt free!!

iVillage Member
Registered: 05-19-2004
Officially credit card debt free!!
12
Mon, 03-28-2005 - 10:23am

I just sent in the last chunk to GM Card on Friday! The 0% balance transfer offer will end March 31st. I feel like saying to them "NA.. NA.. NA NAA NA~ you can't charge me interest!!" I know, that's a bit childish.. he he. It almost doesn't feel real yet since I've been consumed with it for years. We've paid it down before, but never the whole way off. THis board has helped me so much. Everytime I saw someone else post a payoff, that pushed me harder so I could get there too! We will never get back in that trap again!! I have DH on board this time and we have no urges to use the card anymore.

Plus Chase card, in which I still have an open account (card is ripped up, no balance in months)sent me one of those checks for $20.00 that will sign me up with their credit insurance at 89 cents per $100 of your balance. "You can cancel at anytime and there is no cost unless you have a balance" ....so of course I cashed that check!!!! I will call them once I get the info in the mail and cancel. I have made about $50 off of these companies this way. Why would they send me that check when they know I haven't had a balance in eons!? Does anyone else get these checks?

We are not done yet though. We have $477 left on furniture plan (0% until Oct) which I will payoff within the next 2 weeks. Next my student loan ($3500) by July, then we'll save for the new house. DH still has $9k on his student loan, but we are not waiting that long for the house. We decided to just keep paying the minimum on that for a while.

Thanks for letting me share my glee!
~Nicki

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Avatar for beckymk
iVillage Member
Registered: 03-23-1998
Tue, 03-29-2005 - 5:47pm
WOO HOO!!! CONGRATULATIONS!!!
Becky - Mom to Carolyn (17), Aaron (15), Kyle (11) & Luke (8)
Send a free greeting card on me!!
iVillage Member
Registered: 07-06-2003
Tue, 03-29-2005 - 8:30pm

CONGRATULATIONS!!!!!!!!!!!!!!!

Kassandra

Kassandra

"It is said that life has its peaks and valleys.  The challenge is to accept them equally and experience them

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