Breaking up is hard to do, she said

I paid off a credit card today. It didn't have a high balance, only about $315, but it's the small victories that count right? Especially when those small victories lead me one step closer to the life I really want to live. Literally.

Tomorrow, the last payment should be posted to the account by midnight. And on Friday, I will call the bank and request that the account be closed. Following the instructions of my personal favorite financier, I'll follow up the call with a letter with which I plan to send the cut up credit card.

A few weeks from now, I'll call again to make sure the account is closed. I'll assume the account is not closed. If it is closed, I'll be happy. If it isn't closed, I won't be surprised.

In a few months, I'll request a copy of my credit report. Assuming Mary Hunt's directions on how to get rid of a credit account are correct (oh, something tells me they are), my credit report will say the account has been closed at the customer's request rather than at the bank's request. She said in one of her books that breaking up is hard to do because credit card companies work hard for our business and want us to keep those revolving credit door revolving.

Plastics make it all possible. Harhar.

My healthy credit score will dip a little bit, but in six months, it'll bounce back up. And I'm excited. I paid off a card. It was a small account, but I paid it off with cash. I didn't transfer the balance to another card, one with a lower interest rate. I didn't take out any kind of consolidation loan. I paid it off with real money, the kind for which plastic is no substitute.

Thank you, God.