@mongstradamus wrote:
@ayles wrote:GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC!!!
Good evening
Hey there! I am eagerly anticipating the Walmart fico to post too. I'm hoping for a boost although my util has been a little higher lately so not sure.
Also, about the Discover, I changed my due date too and it's still saying the same due date. If you changed your due date after the statement cut already then your payment due date for this current month is the same and then will change from the next statement onwards. For example my due date used to be on the 12th of every month. I made my payment on 4/12 then changed my due date. My statement never cut on the 17th and I have no clue when it will cut. In the meantime, it still says payment due 4/12 but it says zero payment due because I made my payment already. I'm really trying to figure out when the statement will cut because it will throw my utilization off for a bit given I don't know when it'll cut but I should be okay from next month onwards....
@ayles wrote:
@mongstradamus wrote:
@ayles wrote:GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC!!!
Good evening
Hey there! I am eagerly anticipating the Walmart fico to post too. I'm hoping for a boost although my util has been a little higher lately so not sure.
Also, about the Discover, I changed my due date too and it's still saying the same due date. If you changed your due date after the statement cut already then your payment due date for this current month is the same and then will change from the next statement onwards. For example my due date used to be on the 12th of every month. I made my payment on 4/12 then changed my due date. My statement never cut on the 17th and I have no clue when it will cut. In the meantime, it still says payment due 4/12 but it says zero payment due because I made my payment already. I'm really trying to figure out when the statement will cut because it will throw my utilization off for a bit given I don't know when it'll cut but I should be okay from next month onwards....
I think i may need to give discover an call and ask i have an bunch of other questions i need to ask them . Apparently my intro apr rate went up to 22.99% , i want to see if they could reduce that some. Haven't been late on any payments and my credit report is fairly clean now. Also i am going to see if i coax them to give me an sp CLI to match my two other cards , which have both given me cli and have slightly higher credit limits.
I haven't used my IT card at all this month since last statement so i dont have much to worry about with when statement cuts lol. It would be nice to know tho I do recall the lady saying something about mid june for my next due date, I really need to pay better attention to important things like this.
Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
@ayles wrote:Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
I have been getting an itch to app too , trying my best to resist. To be honest i could hold off sallie mae , it probably will only be used for gas, and freedom has 5% on gas 3rd quarter. Fidelity amex i could wait also since i do have qs that is getting 1.5% compared to 2%. Its all going to depend on my walmart fico score. if there is an big jump more than 10 points then i will give myself permission to app lol
@ayles wrote:Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
Well, you just stated that you really dont need the new credit at this point. Why don't you just wait until July to app for everything you want? It makes for a good goal 
@azguy13 wrote:
@ayles wrote:Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
Well, you just stated that you really dont need the new credit at this point. Why don't you just wait until July to app for everything you want? It makes for a good goal
Hey you Thanks for the encouragement. I'm standing firm...at least tonight 
@mongstradamus wrote:
@ayles wrote:Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
I have been getting an itch to app too , trying my best to resist. To be honest i could hold off sallie mae , it probably will only be used for gas, and freedom has 5% on gas 3rd quarter. Fidelity amex i could wait also since i do have qs that is getting 1.5% compared to 2%. Its all going to depend on my walmart fico score. if there is an big jump more than 10 points then i will give myself permission to app lol
Can we do it??
YES WE CAN!!!!
lol
Today must have been itchy app day. I felt the urge too. So annoying!! 
I resisted thank goodness. lol I even came up with excuses in my head.. It's just pitiful! I stopped. 
I resisted thank goodness. lol I even came up with excuses in my head.. It's just pitiful! I stopped.
@ayles wrote:
@azguy13 wrote:
@ayles wrote:Okay I have to confess I have a slight app twitch :/
I want to increase my Care Credit line and I really want the Target card lol. It's so silly. Nothing that can't truly wait another month or so at least (I'm already paid through end of May for my chiropractor so don't necessarily need the Care Credit increase right this minute, probably will beginning of June...).
I did pay off a huge chunk of my CU CC this past week though and the statement cuts tonight. If my scores go up significantly (that was majority of my utilization so it'll drop from about 10% to about 5% after this new balance reports) I may consider doing a tiny escape and then again in July to refinance my personal loan through my CU because we're going on vacation and also with the same HP get an increase on our cc there and then won't do anything for a year at least. We'll see though. Taking one day at a time...
Well, you just stated that you really dont need the new credit at this point. Why don't you just wait until July to app for everything you want? It makes for a good goal
Hey you
One day at a time is all I ask, lol.
Lets stay app free together You don't need to last as long as I plan to, but I don't mind company