My Discover Card is S.D and probably gonna take me into and beyond the Intro 0% APR term to pay off the balance (must pif by jan 2, 2014)
and so it leaves me between Freedom vs Bofa Card to use as my everyday card and both have 1k balance (I can use cash and make payments to knock it down until it's PIF but i rather use one card for the rewards)
I'm planning on paying off one card to 0 balance to use as my everyday purchases while the other will be paid with more than minimal due until i can pay it off at a later time
I hate seeing high balances and i although I really dislike digging into my savings i am doing so to get low as possible towards my balance on my discover or pif by the end of the apr term
i can apply for a BT card but I am not really in the market for another card
Cut spending on all cards and put the extra money towards the Disover balance .........tough luv from the garden but it's because we have your back and want to see you debt free
i guess i can live with that which will leave me at about 10% usage
I am considerig transferring the whatever balance i have by end of november from discover over to cap one
since APR on cap one stands at 18.99% and discover will be 20.99% no fees for transferring balance
@myjourney wrote:Cut spending on all cards and put the extra money towards the Disover balance .........tough luv from the garden but it's because we have your back and want to see you debt free
+1
Or as I prefer to associate it with living within one's means. OP - hopefully you have a solid budget strategy to retire those balances, otherwise it's going to be an expensive lesson by carrying those balances at such high APR.