Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

credit card spreadsheet

Recommended Posts


First off let me say Thank you for your work on this spreadsheet. I love it, I have added a column for my own that shows what days are being reported to the bureaus so that I know when my payments are due.

 

Just something to consider if you ever update.

 

Thanks,

 

 

I am about to do the same to mine. :)

 

Actually, I might make it two columns.

 

Date of Balance Reporting

Date Balance Shows on Report

 

I'd been keeping track of my cards below my regular monthly budget just to keep track of my util but this is much better!

Edited by Roland99

Share this post


Link to post
Share on other sites

Cool spreadsheet -- but I guess it's only for OPEN credit card accounts? If I put my closed accounts on there, it asks me for the credit limit, and thus includes that in my "available credit" ... but all I want is it to show me how much I could save by paying it down faster etc :)

 

Thanks for making it

Share this post


Link to post
Share on other sites

Wow thank you so much for this Spread Sheet Breeze. I am bubbling over with joy that I have found this web site. It has helped me in a matter of hours. I love this spread sheet and have saved it to my desk top and have all my open CC information in it already.

 

Thanks again

 

 

Share this post


Link to post
Share on other sites

Cool spreadsheet -- but I guess it's only for OPEN credit card accounts? If I put my closed accounts on there, it asks me for the credit limit, and thus includes that in my "available credit" ... but all I want is it to show me how much I could save by paying it down faster etc :)

 

Thanks for making it

Im wondering about the credit limit column. Should I put a Zero for closed accounts, or put the limit that was on the account before it was closed?

Share this post


Link to post
Share on other sites

Thanks for the great post and SS! I'm making some adjustments to adapt this for tracking mileage bonuses for frequent flyer offers.

 

Best,

Fierydragon

Share this post


Link to post
Share on other sites

Im wondering about the credit limit column. Should I put a Zero for closed accounts, or put the limit that was on the account before it was closed?

I've been editing the spreadsheet myself recently.

 

These are the things I changed:

 

- A new worksheet for FICO scores

- A new worksheet for INQs across 3 bureaus, and color-coding & month counting to tell me how long until they fall off (also put here CCs I want to apply for in the future)

- Changing what happens with the Closed Accounts (Shows 100% Util now on those accts), see code below

- Split the spreadsheet in half, top part for revolving and bottom part for installments. Took the installment out of the utilization ratio.

 

So the basic idea is to put 0 for closed accounts... Then change the F8 cell to: =IF(D8=0,"",IF(C8=0,"100%",PERCENTILE(D8/C8,1)))

 

And then drag down from the right of that cell to fill in all the F-cells below that. It will say 100%, but you could edit it to say "Closed" or whatever.

Share this post


Link to post
Share on other sites

That's the thing, I am not telling you what your minimum payment is or should be (the field listed is payment options), I am telling you what the payment is if you choose to pay 3%. Every c/c is different, there is no way for me to know when the minimum payment is $20 or when it kicks to a %. There is a big difference between "Payment Options" & "minimum payment"..

 

In this case if you choose to pay 3% then it's $54, I am sure that is significatly higher then what the actual minimum payment is.

The formula multiplies 1.5% x the balance and asks if that is less than 20, then it writes 20. It does that for the 1.5% column, and it works for that column. But it does that same calculation for the 2 and 3% payment options, using G2 (1.5%) instead of H2 and I2. So the 3% payment option in example is based upon whether 1.5% is less than $20.

Edited by sidecontrol

Share this post


Link to post
Share on other sites

Since I am not very good with Excel, is there a way we can somehow get our "balance" coloumn to automatically update with our balance without having to manually input? Or is that just crazy talk? Would be nice, otherwise it is kinda a pain to do all of that.

Share this post


Link to post
Share on other sites

Go back to the very first post in this thread, and you will see it. It looks like this.

 

Untitled.jpg

Share this post


Link to post
Share on other sites

If I have a 0% promo from one of my cards that ends 12/18 how would I enter it on the chart so I know to have that paid off before end expire date if I also have regular purchases on the card.

Share this post


Link to post
Share on other sites

This spreadsheet is very useful. However, I can't delete the columns... I always pay my cards on time, so I don't need the middle few columns on balances. How do I delete them?

Share this post


Link to post
Share on other sites

I have a question about how the Age fields work. The easiest way to explain is a short example:

 

Account-1 opened on 01-01-10 and closed it 01-01-11 (12 months open)

Account-2 opened on 01-01-10 and still open (32 months open and counting)

 

The actual AoA would be: 22 months [32 mos + 12 mos = 44 mos/2 cards = 22 months]

 

The sheet calculates it on today's date, rather than the open/close dates.

 

So using the same example:

Account-1 opened on 01-01-10 and closed it 01-01-11 (12 months open) (Spreadsheet shows 32 months and counting)

Account-2 opened on 01-01-10 and still open (32 months open and counting)

 

The sheet calculates the AoA incorrectly, as: 32 months [32 mos + 32 mos = 64 mos/2 cards = 32 months)

 

 

Am I reading the sheet wrong? or is there a Macro that's disabled (Macros are enabled on my Excel)

 

Thoughts?

Share this post


Link to post
Share on other sites

My inquiry sheet:

 

10y0x3s.jpg

 

Hey guys, I developed this sheet to keep track of my inquiries... I think it's great so here's the code for it

 

1) Total Counts in Parenthuses next to Bureau (B2 through D2):

="Experian ("&COUNTIF(B3:B23,"*")&")"

Repeat for Equifax and Transunion

 

2) Time for Removal:

=DATEDIF(TODAY(),SUM(A3+731),"M")

Drag down to auto-fill the whole column; Colors using conditional formatting. Green should be 1-12; yellow is 13-18; orange is 19-24. That will give you what is less than 6 months old, what is a year, what's older than a year. Ignore mine in the screenshot.

 

3) How Long Ago it was Added:

=IF(DATEDIF(A4,TODAY(),"m")<1,DATEDIF(A4,TODAY(),"d")&" Days",DATEDIF(A4,TODAY(),"m")&" Months,"&DATEDIF(A4,TODAY()

Drag down to auto-fill

 

 

Then you just enter in the date in the A column, write in whatever INQs got added on that date in the rows next to it, and it will auto-fill itself. :D

Share this post


Link to post
Share on other sites

The sheet calculates it on today's date, rather than the open/close dates.

 

The sheet calculates the AoA incorrectly, as: 32 months [32 mos + 32 mos = 64 mos/2 cards = 32 months)

Closed accounts are calculated as well for AAOA, from their open date, as long as they remain on your reports. What I would do is simply delete the account from the spreadsheet if it's not on your report. Otherwise it's counted which is the correct behavior.

Share this post


Link to post
Share on other sites

Thanks for posting this, I created my on XLS document but yours is 10x better so I figured I would use it instead :)

 

Questions:

 

- For payment due date, do I update that every month? Or does it update for me?

 

Thanks again, I was really interested in my AAOA and this helps a lot... I am just learning to use CCs which is odd since I am 33 but I never really needed them... still don't.. but hey..

Share this post


Link to post
Share on other sites
Guest

Thanks NYRFan!

 

UPDATED FILE IS BELOW. Changes and updates will be provided by Breeze.

 

 

FWIW, I just downloaded this spreadsheet (as others have suggested) and plan on putting it into practical use over the next month or so. Easing into it. :)

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Member Statistics

    • Total Members
      178,999
    • Most Online
      2,046

    Newest Member
    samlarson
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines