Six years ago, I had two credit cards. As my inventory job wasn't as financially substantive as my last job, I wasn't able to pay the both of them off. While I was able to keep my Capital One card, I was forced to charge off my Bank of America card. I could never use it again, but I still had to pay it off. 

Well, today, I was able to pay off the last $200 I owed to the company. I never have to hear the words 'Bank of America' for as long as I live.