@Anonymous wrote:
@PoorPeatree wrote:I haven't heard anything on whether state taxes are reported and tracked by CC lenders, can anyone respond?
Not sure what you're asking. What state taxes are you referring to, income?, sales?. And tracked by CC lenders how or why?
My state income taxes were paid late this year. They did not show up on my credit report at all, so I suspect the CC company did not know about it either, but I was wondering anyway.
@DeeBee78 I got my house!! I applied to be a member at NFCU and they accepted me, now i'm wondering which card to apply for 
@PoorPeatree wrote:@DeeBee78 I got my house!! I applied to be a member at NFCU and they accepted me, now i'm wondering which card to apply for
Congrats, time to get those appliances! Venture for a big limit, VentureOne for 0% APR. Lowes if Capital One doesn't show you any love!
I applied for the GO Rewards card at NFCU and was immediately qualified for $4200!
I was! I got about a 50% discount on msrp $6250 worth of appliances so I just put it on my QS card, which won't report a new balance until sept 17th. I will HP the BoA after I pay it off and it closes this statement on the 7th. Once that card reports zero bal to CRAs I'll HP a CLI. My hope is to sneak in the CLI in between the zero-bal reporting on the BoA and the high util reporting on QSilver between the 7th and 17th.
@PoorPeatree wrote:
I was! I got about a 50% discount on msrp $6250 worth of appliances so I just put it on my QS card, which won't report a new balance until sept 17th. I will HP the BoA after I pay it off and it closes this statement on the 7th. Once that card reports zero bal to CRAs I'll HP a CLI. My hope is to sneak in the CLI in between the zero-bal reporting on the BoA and the high util reporting on QSilver between the 7th and 17th.
Well, congrats on your success, and your appliances, and your credit endeavors
Word of advice, unless you need to micromanage your scores for something, like a new credit product, don't think too hard about scores and utilization.
I can can also tell you from personal experience, BoA HP's don't have to wait until you're reporting a $0 balance to the CRA's to be effective. Back in January, my BoA was maxed out at $2,300 on a 0% APR. I paid it off in full, and a few days after the payment posted, I requested a CLI, and was approved for $6,300. They have an internal scoring method they consider in addition to your credit reports.
@DeeBee78
I may not do the HP at BoA at all, I nicely asked NFCU to reconsider my CC limit and they bumped it up to $10k!! That's now my highest CL card by 40% 
That's plenty for me, I'm very happy with my new visa signature