DebtFreeIn04

Highest interest apr first with most you can pay minimum pmt to all others till paid in full, repeat.

A electronic list app (inkpad) on my phone. 🤓

Nfcu hit love button a few weeks ago nothing. Just logged in today statement cut showed cli $4000 to 21k wa 49 % utilization when I requested.

Mortgage rate shopping in August, last 2 new accounts opened 7 months ago, going to resist opening anything. Hope the 2005 Ford explorer holds out. 😁

Tried my luck at BOA again big FOAD again. Account open 6 years still at the starting limit $3900 🤣. Maybe not helping that i shut down checking and savings accounts a year ago to avoid below balance fees. Never looking back! Have $220k credit limit with 22 cards. 720+ fico 8s all 3. See ya BOA ! Lol I'll try again in 6 months for the humor/absurdity factor

Amex BCP 4500 > 13500. Couldn't find cli link, hit chat entered credit limit increase link provided 3x approved 👍

Steady at 741

I also haven't seen this...yet

740 no change

682 > 740. First time in 700's! Old student loan late pays fell off and lower cc utilization 😁

Discover +1500 to 15,900

DW scored Amex 3x cli 61 days from opening 8000 to 24k. She has thin file 760+ scores. We opened that one and chase prime Amazon visa 2 months ago. What's the Chase cli strategy? Wait for automatic cli or push the button at 6 or 12 months?

I'm confused (easily). They're closing all credit card accounts? And offering new card in July? Explain...

Looks like a snoozer offer. Been member for 5 years . No penfed cards yet probably keep it that way. Trying to hold out for Chase. They denied app for Flex in May, got a couple other decent subs citi and Regions bank. 1 spot left for chase for 5/24. Might give it 6 months.

Amex hhonors 1k to 3k instant 😁

I've seen the reports that everyone's Marvel card is supposed to close tomorrow. Some people received an email about it in April. I didn't get one, I think that's about the last straw for any more synchrony accounts. I have an open Lowe's card with 17k on it , zero balance no use in 3 months. Off to Lowe's I go this weekend.

Yeah me too I'll get that quick 300 off the furniture and run 🤣

I know! I meant to think it and ended up saying it!

Regions Pre-screened offer approved $3000 0% 18 months, $300 cashback for 1000 spend in 3 months.

Oh I know how to make CV cry! Maybe I'll push the button on that Discover balance txr pre approval I've been ignoring, that'll give 2 Discoveries . 🤣

Oh that sounds good but I have the wife factor! 6 months ago I sorta said "yeah we can get some new furniture in June" she remembers! 🤣🤣🤣

Yes, right now I have zero balances on 11 of 19 cards. The 8 with balances are in a range between 20% and 48% and falling. My overall utilization is at 26%. The immediate gratification factor i see is being able to payoff 1 high interest rate card and almost half of another with available cash and get $300 discount with regions. BTW the longer vision will be new home mortgage maybe in 1 year to 18 mos. So will be avoiding new credit in a few months. If I did regions I'd probably would only go 5 or 6 mos to payoff.

Wait i thought you were CV!? 🤣 I could pay cash without issue, was thinking how can I leverage paying other high interest cc's and the thought of a 300 discount was appealing. I was going to string them out for 6 months, while I used extra cash to payoff couple high interest CC namely home depot and marvel cards. Which might only take 4 or 5 months. Then sock drawer. After sub rewards only 1.5. And yes I'm right there with not being accustomed to better offers. 😕 I'm really glad I actually posted before pulling the trigger . Impulsivity has been a monster in the past.

I'm happy with my BCP . Good if spend over 3000 in groceries out to 6000 plus 6% off Streaming