Anyone else experience then when starting to rebuild???

[Anonymous]

So almost 4 years of CH 13, waiting for that day for discharge.  Hit that mile stone, then get your rebuild credit cards and go to work.  Sounds simple enough.  I didn't have any credit cards for a few years before I filed.  All through the CH 13 payment plan, I was used to using only my bank debit card and paid bills off early.  Now that I've transitioned to only using my credit cards to my day to day items (gas, lunch, etc), I know I'm not spending more than I did before, but there's a part of my brain screaming "that's a bill, get rid of it!!!".  Anyone else go through during the start of the rebuild?

[Anonymous]

It is a transition, but a good one. I think every time I pull out a card which I really didn't do before.

[Scupra]

Hey, that's a good thought to have I am sure it will help you never carry a balance!

[Shooting-For-800]

I check every one of my credit cards and bank accounts several times a week.  

I make payments all the time and often pay off cards before statements are even cut.

It has worked well for me building credit, making money on cash back cards, and not paying one cent of interest on over $100,000 in charges.

It is a great feeling.

[Anonymous]

I remembered reading this before I got my cards after ch 13, and now I def feel the same way! I'm trying to rack up lots of charges to pay off so I look like I'm using the card a lot so I look like a good candidate for CLIs, but every time I swipe the CCs I have a mini panic attack haha. I immediately go on and check my balance and want to pay off what I just charged before it even officially posts. This is gonna be a loooong rebuild haha

[Life_take2]

It is good to know that I am not alone in my "swipe, run home and pay online" routine. LOL

[Anonymous]

My wife teases me about my bill payment and constant credit report checks (I have accounts with all 3 bureas and Myfico).  I had filed my ch 13 before we met (we've been married over a year now...man, ch13 takes forever).  My plan is to leap frog to a different card each month to help keep them all active.  It was a slightly stressful moving from my CapOne QS card to my Barclay for the first leap and having a balance on both (now QS paid off).

[Anonymous]

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@Scupra wrote:

Hey, that's a good thought to have I am sure it will help you never carry a balance!

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+1

Love it...

Congrats on the new outlook

Play Whack-a-mole with those bills LOL.

[1Rebuilding]

Yes....    I pay them down.  I just sent over 3k to C1 to pay off my monthly bill.

[Anonymous]

You see that is 'managing' CC 's vs taking on 'debt'

Too many times ppl confuse the two

One can, as @1Rebuilding basically use CC to 'move' payment dates around = no-to-very little % paid

or

As most ppl get themselves in trouble, folks 'finance' "stuff" and make small payments dying in %payments by thousand cuts

One is sort of a 'charge card' pay it off quick menality, the other is a 'push it' off and keep 'hope' alive revolving debt rabbit hole.

IMO...our CC's shouldn't be used to house more than at worse 3-6 months 'purchases' and at best used for  3-6 week payment 'repositioning'

but too many use CC's 'financing' that really should be loans withy payoffs and better % and terms rather than long term housing of debt on CC's.

The 'pay cashers' are half right and the 'never' chargers have some merit...marry those two camps and we're better off getting rewards, cash-back,

 great credit scores etc w/o creating debt.