I can totally understand. We sometimes need to step back & focus on the path to the yellow brick road ahead. I've been working on strategies to improve some, delete some, AVOID some...
Take care of yourself....great to see you !
Hey LS, I to have slipped a bit and now have about $1300 in revolving balance between the Barclay, Amazon, Costco TE, and Delta gold.
Though I will be back down to 0% util by March 1st, I've been down on myself as well. I need to remember where I was when I only had $320 in CL, and now that I have $21k, that it does not mean I can be sloppy.
Welcome back, LS. Sorry to hear about the post-holidays debt. It can be easy to slip when you have a lot of credit available. You've just got to remember that those aren't loan products in your wallet; they're discount cards.
Hey how long did you have your ON card b4 you got upgrade. what was your current CL when offered upgrade, what your new cl after upgrade. Alaso was it a hard pull?
Glad to see you LS! There doesn't seem to be many of the "old guard" left who posts here anymore. I post when the the new PSECU scores are up and there usually a total of 4 people who respond!
Hi LS! Welcome back! I'm in the same boat. I went a little crazy over the holidays with my spending so I'm carrying a balance on way too many of my credit cards and my utl is high right now. I've been paying it down but I estimate it won't be until April that my scores recover. Lesson learned.
It is always easy to borrow, much harder to pay back. Sometimes the old saying, "wait three days" then revisit and see if you really need that item. Many times you don't. Just helps to give you a check point before you purchase.
Welcome Back (Imagine the Kotter theme song!) 2012 was a big year for many of us. Time to get our house back in order so to speak!! Hopefully we can keep one another on track!?