T-Minus 41 Days til my move to Switzerland with my wife. (*still waiting for D Visa- long term stay*)
What I would like this Blog to be about is what response I receive from using my US credit internationally.
Data Points I will provide per current creditor:
1) Creditor - SCL
2) Monthly balance/PIF
3) Monthly usage
4) CLI Date Requested
5) Status of CLI
6) Large charges on cards (buying furniture to furnish apartment)
If you can think of any other data points you would like for me to share, please let me know so I can update the list above.
List of Creditors with accounts:
1)PenFed
A) 11/8/16 - Platinum Rewards Visa Signature- $11K
I) No Foreign Transaction Fees (No FTF)
II) $0 Balance - 0% Util - 11/29/2016
III) Payment Due Date: TBA - Balance Cut Date: TBA
2)Fidelity
A) 11/8/16 - Visa Signature - $7.5K
I) No FTF
II) $849.17 Balance - 11.3% Util - 11/29/2016
III) Payment Due Date: 12/15/16- Balance Cut Date: 18th of the month
3)Chase
A) 11/8/16 - Freedom - $1K
I) FTF - Will use to pay netflix to show usage- PIF Monthly
II) $0 Balance - 0% Util - 11/29/2016
III) Payment Due Date - 1/11/16 - Balance Cut Date: 14th of the month
B) 11/8/16 - Sapphire Preferred - $5K
I) No FTF
II) $560.23 Balance - 8% Util - 11/29/2016
III) Payment Due Date: 12/18/16 - Balance Cut Date: 21st of the month
4) Discover
A) 11/8/16 - IT - $4.5K
I) No FTF
II) $723.31 Balance - 16% Util - 11/29/2016
III) Payment Due Date: 1/4/17 - Balance Cut Date: 7th of the month
5) Capital One
A) 11/8/16 - Quicksilver One - $3K
I) No FTF
II) $365.17 Balance - 10.6% Util - 11/29/2016
III) Payment Due Date: 12/13/16 - Balance Cut Date: 16th of the month
6) Barclay
A) 11/8/16 - Arrival + World Elite MC - $3K
I) No FTF - PIF Monthly
II) $852.68 Balance - 76% Util - 11/29/2016
III) Payment Due Date: 12/2/16 - Balance Cut Date: 5th of the month
IV) $2352.68/$3,000 spend reach by 1/15/17 - 50,000 miles
V) Scheduled Payments:
11/30/16: $1500
B) 11/8/16 - Apple Rewards - $2K
I) Use ONLY for Apple products
II) $1861.24 Balance - 99% Util - 11/29/2016
III) Payment Due Date: 1/8/16 - Balance Cut Date: 11th of the month
IV) 18 Months no Interest from 10/16-4/18 - Bought New Macbook Pro (non touch version)
V) Scheduled Payments:
12/5/16: $120
7) Wells Fargo
A) 11/8/16 - Platinum Rewards - $3.4K
I) FTF - find small bill to pay each month and PIF
II) $0 Balance - 0% Util - 11/18/2016
III) Payment Due Date: TBA - Balance Cut Date: TBA
8) Amex
A) 11/8/16 - Premier Rewards Gold - NPSL
I) No FTF - PIF monthly
II) $254.23 Balance - 12/7/2016
III) Payment Due Date - 1/13/2017
IV) $1,000 spend already reached by 1/15/17 - 50,000 miles
V) Scheduled Payments:
12/3/16 - $908.83
9) Macy's
A) 11/9/16 - Store Card - $1.5K
I) Reports to EQ on 11/9/16
II) $540.78 Balance - 36% Util - 11/29/2016
III) Payment Due Date: 12/1/16 - Balance Cut Date: 4th of the month
IV) Scheduled Payments:
11/29/16 - $140
10) Jared
A) 11/18/16 - Store Card - $4K
I) $2194.28 Balance - 11/18/2016
II) 7 more payments - $330
III) Payment Due Date: 12/21/16 - Balance Cut Date: 24th of the month
IV) Scheduled payments:
11/22/2016 - $330
TOTAL Credit Card Debt: (After Scheduled Payments)
11-18-2016: $7,602.79
11-29-2016: $7,545.86
Authorized User Accounts:
1) Discover
A) 10/19/16 - IT - $1K
I) No FTF
II) $0 Balance - 0% Util - 11/18/2016
III) Payment Due Date - TBA
IV) Reporting on CR's
2) Capital One
A) 10/19/16 - Quicksilver - $3K
I) No FTF
II) $66.96 Balance - 2% Util - 11/18/2016
III) Payment Due Date - TBA
IV) Not reporting on my CR's yet.
B) 10/19/16 - Venture - $4K
I) No FTF
II) $1,827 Balance - 45.6% Util - 11/18/2016
III) Payment Due Date - TBA
IV) Not reporting on my CR's yet
FICO Credit Scores: Current: EQ - 688 EX - 693 TU - 707
EQ: 11/8/16 - 705
11/9/16 - 700 - 5 point drop: Reason: New Balance reporting: Macy's $540/$1500 CL.
11/10/16 - 700 - No Change: Reason: New Card Account Reporting: Barclay Arrival Reporting balance of $572/$3000
11/11/16 - 704 - 4 point gain: Reason: Chase Freedom Balance down to $0 from $170 previous statement. CLD: $2000 to $1000.
11/12/16 - 701 - 3 point drop: Reason: New Account Reporting: Discover: $0 Balance/$4500 CL
11/16/16 - 701 - No Change: Reason: New Card Account Reporting: PenFed Plat Rewards Visa Signature: $0 balance/$0 CL
11/17/16 - 696 - 5 point drop: Reason: New Card Account Reporting: Barclay Apple Rewards: $1781/$2000 CL
11/19/16 - 694 - 2 point drop: Reason: Card Balance Reporting: Chase Freedom: $1/$1000 CL
11/20/16 - 687 - 7 point drop: Reason: New Card Account Reporting: AU Card: Wife's Capital One Venture: $222/$3000 CL
11/24/16 - 687 - No Change: Reason: Balance Increase: AU Card: Wife's Capital One QS: from $327 to $1827/$4000 CL
11/25/16 - 688 - 1 point gain: Reason: Balance Decrease: Jared: from $2943 to $2524/$4000 CL
11/25/16 - 688 - No Change: Reason: Balance Decrease: Chase Freedom from $1 to $0/$1000 CL
11/27/16 - 688 - No Change: Reason: New Card Account Reporting: Chase Sapphire: $78/$5000 CL
EX: 11/8/16 - 706
11/10/16 - 706 - No Change: Reason: New Card Account Reporting: Barclay Arrival Reporting balance of $572/$3000
11/16/16 - 706 - No Change: Reason: Credit Limit Increase on WF Platinum Visa: $1.8K to $3.4K
11/17/16 - 699 - 7 point drop: Reason: New Card Account Reporting: Barclay Apple Rewards: $1781/$2000 CL
11/19/16 - 699- No Change: Reason: New Card Account Reporting: Capital One QS1: $222/$3000 CL
11/23/16 - 693 - 6 point drop: Reason: New Card Account Reporting: Chase Sapphire: $78/$5000 CL
11/24/16 - 693 - No Change: Reason: Balance decrease: Jared: from $2943 to $2524/$4000 CL
TU: 11/8/16 - 709
11/10/16 - 712 - 3 point gain: Reason: New Card Account Reporting: Barclay Arrival Reporting balance of $572/$3000
11/14/16 - 718 - 6 point gain: Reason: New Card Account Reporting: Discover IT Reporting balance of $0/$4500
11/17/16 - 708 - 10 point drop: Reason: New Card Account Reporting: Barclay Apple Rewards: $1781/$2000 CL
11/19/16 - 713 - 5 point gain: Reason: New Card Account Reporting: PenFed Plat Rewards Visa Sig.: $0/$11,000 CL
11/20/16 - 712 - 1 point drop: Reason: Balance on all Bankcards went up to $2004
11/23/16 - 707 - 5 point drop: Reason: Balance on all Retail cards went up to $3,064
11/24/16 - 707 - No Change: Reason: Balance on Bankcards went up to $2081
11/24/16 - 707 - No Change: Reason: New Card Account Reporting: Chase Sapphire: $78/$5000 CL