Hi GC'ers!!
Still going strong in the garden
. Got a notification from one of my creditors I received an auto-CLI yesterday
. 2015 is looking up and INQ's are falling off like clockwork
. I hope 2015 is going well for those who resist from app envy or promos
.
@bdhu2001 wrote:
@sparklerd34 wrote:
@Anonymous wrote:
@sparklerd34 wrote:Well i just realized that January was officially over and im still in the garden and the thrill of the holidays is officially over and my new goal is to maintain, payoff and save. I have my small limits and my store cards which are small limits and thats fine for me for now. I noticed that my score is starting to slowly increase which is a good thing instead of decrease and i cant thank you all for the great advice provided on my journey. i hope i can pay it forward one day. So i do have one question for everyone this month. What is the ideal utelization for a credit card? Should it be 30% or less?
Ideal utilization? Under 10% on one card, all other cards showing 0% utilization.
oh wow okay thats really low okay i guess thats like almost not having a card huh lol
Under 10% just means under 10% reporting. Not under 10% usage. Usually it means paying in full (or 10% on the one card), before statement close date and keeping it to that amount until after the close date. In my case, I don't shop at Costco near the 9th. Thus keeping my AmEX reporting $0 and PIF my FNBO or Quicksilver, by due date. You can also just pay previous month's balance on one card and keep all your other cards reporting $0 at statement cut date.
All of this only maters when you're trying to discover the highest FICO score you can attain based on your current status. When that's not the case, just keep from paying interest and save money.
ok thanks for the info
So i tried to upload my images of credit cards but gave up because its way too complicated... none of them worked. 
Lets see...
I have that lovely gold spade... ...
Probably gonna pay off CU card in a few weeks.. Thinking of taking out the secured share loan... Family member offered to assist..
Still thinking I can do better than the Discover and Citi offers...
-J
No more credit cards ever!!! Wheres my seedling..
Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
@chalupaman wrote:Hey everyone.
Kinda disappointed in my accounting exam grade but that's why I'm going to study harder for the next two and possibly be on this site a bit less.
Nothing else I really want credit card wise right now.
What if there was a Klondike card?
And your rewards came in the form of vouchers for 6 packs of Klondike bars.
1 pack per $100 spent.
@Anonymous wrote:
@chalupaman wrote:Hey everyone.
Kinda disappointed in my accounting exam grade but that's why I'm going to study harder for the next two and possibly be on this site a bit less.
Nothing else I really want credit card wise right now.
What if there was a Klondike card?
And your rewards came in the form of vouchers for 6 packs of Klondike bars.
1 pack per $100 spent.
I don't wanna get fat now. Lol.