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Everything posted by Igor

  1. Thanks @CTSoxFan I like the way of looking at it that way, it is harder to calculate but if calculated, can help us feel good, and save money!
  2. Thanks! Great ideas! The main value of the Debt Snowball while ignoring interest rates is to get you into the money saving money, as opposed to feeling the whole thing is too hard, helpless, and keep spending borrowed money, increasing debt, which would be much worse than paying off the smallest debt with a lower interest rate. That being said, i think we do pay much more than the minimum amount. I will double check. Thanks!! Awesome! Thank you, all active duty and veterans for your service!!
  3. For Navy Federal, seems only relevant for Active Duty or relatives etc. I am not certain i am eligible.
  4. Thanks @CTSoxFan @hdporter so much! BH We are making around $81k. We read Dave Ramsey and are working on our debt snowball @PsychDoc Will check out Navy Federal. I once had Harvard Alumni from Barclays, one of the best cards when it was available IMHO. I see that Barclays is offering 15 months 0% APR BT with 3% BT Fee. But it seems like the answer to my question is the BA card and leverage the CL we have there. Thanks a million!
  5. Hi All - I am new here. We are looking for help on how we can move our high APR CCs to 0% with a BT to new cards. We have the following CCs with CL info. We are looking to do BTs to 0%. We opened a couple cards but got low CL, asked for a higher CL but were denied. We opened up US Bank cards to do BTs but got CL of $500 - 600. I tried asking US Bank to increase our CL to no avail. I thought we can leverage our open CL's on other CC, meaning I can lower the CL on a Citi card with 0% util and they would give me more but the CCC said it would not help. One thing I noticed, we had been saying we earn $45k but we did not realize we earn $80k... We are not sure what to do next. I assume we should move around some CL or balances to bring the CS back up, then open a new card or raise the balance on a card with a BT offer, and do the BT. I will look into getting the CR's to review if anything is not supposed to be there. Meanwhile, these are the cards for me and DW. ME, FICO 726 owe CL CL utiliz. APR % rate until Notes FICO 726 (was 750 in Nov) Bank of A 0 17200 0% Chase Freedom 9550 13000 73% 15.24 Citi AA MileUp 0 13200 0% Citi Double Cash 3600 3900 92% 0 6/16/2022 New DW - FICO 689 Bank of A 4030 6900 58% 18.99 Bank of A 4200 6000 70% 22.99 0% until Feb 15, 2021 Citi Double Cash 2430 2500 97% 0 7/3/2022 New (Citi AA MileUp 0 19700 0% Closed) What can I make more clear? TIA for all advice!
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