Kat58

+1 and congrats on the increase! I think the only way to NOT get a CLI with Discover is to request one every week

😽 xxoo

THIS!!!!!!! ^^^

Sorry to hear about their ID theft

I never go over 50% either. But, if I were in your shoes (with the specs listed above) I would definitely move all of it to the BT card. Utilization will be ~79%, but not near maxed out (90%). The util will go down pretty quickly and you'll save bookoo bucks. I say, "Go for it!'. Note - Obviously, start PIF in the future ETA - I just noticed 3 of the 4 CC's are already over 50%. Your score could actually increase after everything is transferred and reported. This could take a couple of months because of residual interest.

Congrats!!! 😬

Same as last time.

I requested through online chat every 6 months. It took a while. Did not happen all at once. I only did it because I could and to see how low it would go. It's still too high. Anyway, anything higher than 0% is too much. Note - A lower rate will not lower your existing balance rate. Congrats on the increase!

Discover - 22.99% -> 13.49% You heard me

In my experience, Discover and Chase (your existing cards) routinely offer 12 month, 0% BT's with a ~3% fee. The monies can be transferred into your checking account. Just like a cash advance, but without the crazy APR rate.

https://help.equifax.com/s/article/What-is-the-difference-between-the-Equifax-Credit-Score-and-the-FICO-Score Don't sweat it. You'll be fine. P.S. - I'm only responding to the question below... "Someone please reassure me that this EQ score is vastly different than the lender's! I'm really upset right now! THanks in advance!"

So, these 3 CC's are not showing on your credit report?

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Congratulations!!!

Wally store card... today

You can replace the wheel assemblies for ~$10. Just as easy as replacing a doorknob