KayveBear's Running Credit Thread

[cv91915]

$3500 later Thanks Mendel and Konrad.

 

Nice package.

[Kat58]

 

$3500 later Thanks Mendel and Konrad.

 

Nice package.

 

[Cappy]

 

$3500 later Thanks Mendel and Konrad.

 

Nice package.

Hi CV!!!

 

Welcome back!

[cv91915]

[swimmingwithsharks]

 

$3500 later Thanks Mendel and Konrad.

Nice package.

It's the size that's so impressive.

 

 

 

I mean, the size of the $ amount.

 

If only I weren't so chicken about M$. But Amazon gift cards would make good gifts. Hmmmmm...

[kayvebear]

You guys are hilarious.

 

I haven't done any M$ in over six months now actually.... just don't have the time. What is cool about this is that it is natural spending... the $$ actually get spent on Amazon for real business purchases. We source all of our parts on Amazon these days for my company. Quicker shipping than traditional distributors with identical pricing.

[kayvebear]

Moved a few limits around with Chase for my new Freedom Unlimited Card.

 

Chase Amazon is now 10k

Chase Freedom is now 2k

Chase Freedom Unlimited is now 35k

[kayvebear]

Juts hit my highest FICO ever.... 811 on TU. My previous high was 802 on TU. Still haven't broken 800 on EX/EQ but very close I believe. Might do it this month. *happy dance*

 

Hey remember that time before I found CB that I had a FICO below 600?

 

 

 

[kayvebear]

Just called and converted my Citi TYP to a Citi double cash to avoid the AF

[kayvebear]

I got a mailer that I was pre approved by Fifth Third Bank (who I had never heard of) for a CC. $250 spending bonus, 0% everything for the first year.

 

Free $250 sounded nice.

 

Applied... took three days for approval but just came in... $20k starting limit.

[TheVig]

I got a mailer that I was pre approved by Fifth Third Bank (who I had never heard of) for a CC. $250 spending bonus, 0% everything for the first year.

 

Free $250 sounded nice.

 

Applied... took three days for approval but just came in... $20k starting limit.

 

Congradulations!!!!

[kayvebear]

Wow. Discover luv button just bumped me $5k from 24.5k to 29.5k!

 

That is some inq free luv.

[kayvebear]

The feeling of buying $5,000 in Amazon gift cards at Office Depot really tickles me

[Cappy]

Funny it would tickle you

[J3SBCUZ]

Hi, I'm new here to CB and this is the first blog I read in its entirety. I'm struggling with cc debt. Lots maxed and interest is eating me up when my husband was out of work I had finally hit the 700's now i'm borderline 600 .

 

I wish I were lucky as you to have someone add me as an AU on outstanding TL's but I'm not. I really think that was your take off point. There is so much I wish I could do again but I can't and any advice from CB would be greatly appreciated.

 

From reading your blog, I never thought about BT to cards offering 0% interest. It was like an ah ha moment! haha I applied for two new CC and was approved for two with only $500 limits with 15 months at 0% interest. Anyone correct me if I'm wrong here... would it be in my best interest to transfer balances from my capital one card (highest rate, highest UTI, Highest balance) to a UTI of only 49% of the new credit cards ($245)? Payoff the new card off and keep transferring balances until cap 1 is paid off? Is there a max BT’s on credit cards?

 

If I close any of these cards will it keep interest from accruing?

 

If anyone has ANY suggestions, by all means suggest away.

 

Jessica's Credit Card Utilization Factors Excellent Good Fair Interest Min PMT Due Date Balance Credit Limit 9% 29% 49% 9% 29% 49% 1 Amazon/Chase 21.24% $ 25.00 2nd $ 289.06 $ 400.00 $ 36.00 $ 116.00 $ 196.00 $ 253.06 $ 173.06 $ 93.06 July Payoff X 2 Fingerhut 25.15% $ 20.99 3rd $ 249.95 $ 2,000.00 $ 180.00 $ 580.00 $ 980.00 $ 69.95 $ (330.05) $ (730.05) July Payoff No int 3 Best Buy 25.24% $ 25.00 4th $ 342.40 $ 700.00 $ 63.00 $ 203.00 $ 343.00 $ 279.40 $ 139.40 $ (0.60) No int 4 Bridgestone 22.80% $ 19.00 10th $ 445.96 $ 1,800.00 $ 162.00 $ 522.00 $ 882.00 $ 283.96 $ (76.04) $ (436.04) November Payoff 5 Capital One 23.00% $ 73.00 14th $ 2,425.35 $ 2,500.00 $ 225.00 $ 725.00 $ 1,225.00 $ 2,200.35 $ 1,700.35 $ 1,200.35 August 6 Sam's 23.00% $ 44.00 15th $ 1,428.27 $ 1,500.00 $ 135.00 $ 435.00 $ 735.00 $ 1,293.27 $ 993.27 $ 693.27 December 7 Bank America 19.00% $ 75.00 16th $ 2,407.97 $ 2,500.00 $ 225.00 $ 725.00 $ 1,225.00 $ 2,182.97 $ 1,682.97 $ 1,182.97 October 8 Dillards 23.00% $ 28.00 17th $ 2,040.19 $ 2,300.00 $ 207.00 $ 667.00 $ 1,127.00 $ 1,833.19 $ 1,373.19 $ 913.19 9 Wal-mart 23.00% $ 40.00 17th $ 1,226.20 $ 1,300.00 $ 117.00 $ 377.00 $ 637.00 $ 1,109.20 $ 849.20 $ 589.20 X # Shell 25.00% $ 25.00 26th $ 204.00 $ 250.00 $ 22.50 $ 72.50 $ 122.50 $ 181.50 $ 131.50 $ 81.50 X # Victoria Secret 25.24% $ 25.00 4th $ 249.95 $ 400.00 $ 36.00 $ 116.00 $ 196.00 $ 213.95 $ 133.95 $ 53.95 July P/O $ 11,309.30 $ 9,616.84 $ 7,176.89 $ 4,752.94 American Express 23.24% $ 25.00 $ 500.00 $ 45.00 $ 145.00 $ 245.00 Chase Freedom 23.24% $ 500.00

[J3SBCUZ]

Oh and how do you add pictures?! I wanted to add a screen shot instead of copy and pasting from excel.

[breeze]

Welcome to CB!!

 

First off, it will be less confusing if you start your own thread so people can help you.

 

Then upload your graphic to a picture hosting site like photobucket, and then post the BB code link they give you. CB will display the graphic. As you can see, the formatting doesn't hold up when you past it here.

 

After you post the link to your graphic, I'll edit your first post, and include it there.

[J3SBCUZ]

Thank you!

[CoryD]

_{Really interesting and informative thread. Thanks for sharing!}

[kayvebear]

Hit Capital One luv button today on both cards and got small bumps on each.

 

Cap one Venture 33.5k to 36.5k

 

Sony Cap1 from 8k to 8.5k

[Cappy]

Hit Capital One luv button today on both cards and got small bumps on each.

 

Cap one Venture 33.5k to 36.5k

 

Sony Cap1 from 8k to 8.5k

How many months in between last request?

[Big Bear]

Hit Capital One luv button today on both cards and got small bumps on each.

 

Cap one Venture 33.5k to 36.5k

 

Sony Cap1 from 8k to 8.5k

Congrats, kb!!

[pwd847]

I'm gonna change my name to Baloo the Bear so I can join the cub..........errrrr I mean club.

Did you know Baloo is a slothbear????

[Big Bear]

You're missing out on the club for sure. (though I was not aware of the urban dictionary connotations when I created this name back in the repair days...)

 

Annnnnd I just spent five minutes reading the Baloo wiki.

[kayvebear]

 

Hit Capital One luv button today on both cards and got small bumps on each.

 

Cap one Venture 33.5k to 36.5k

 

Sony Cap1 from 8k to 8.5k

How many months in between last request?

 

 

To be honest I have no idea. I was just cycling $1 on every card like I do every 6 months, so when I logged in to pay the $1 bill is when I remembered to hit the luv button. We could probably search this thread for my last cli approval on Cap1