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Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
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Re: Members be careful juggling too many cards

[ Edited ]

at least once or twice a week i skim through and carefully look over 10 to 12 credit card websites and see what actions and adjustments need to take place.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
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Posts: 28,098
Registered: ‎04-01-2007
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Re: Members be careful juggling too many cards


scottwagnon wrote:

i feel like im the only night owl on this site. weird feeling.


lol, I'm up!

 

and +1 on doing everything online. From the day that I figured out how to manage my life online, I haven't had a late payment, or a returned check for that matter.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
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Re: Members be careful juggling too many cards

i must confess i suffer from the occasional overdraft protection fee.

 

someday penfed promise will not only be my home card, but will be the only visa i use. as of now, that is where i see my cc long term future.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: Members be careful juggling too many cards


scottwagnon wrote:

i must confess i suffer from the occasional overdraft protection fee.

 

someday penfed promise will not only be my home card, but will be the only visa i use. as of now, that is where i see my cc long term future.


Oh, well heck, those don't count. :smileywink:

 

OK, actually they do, but when you back up a checking account with a CC or something similar, so that nothing gets returned, and you catch it a day or two later, so as to minimize the cash advance fees, I still consider this a plus.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
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Re: Members be careful juggling too many cards

[ Edited ]

my current bank wells fargo, wont let this slide. the instant transactions are posted after the night audit at 7am tuesday to friday, i get nailed, even if i had money to cover me during the time of the audit posting. thats why i will eventually i will move to penfed. but first i have to finish strenthening my credit profile "foundation". want to make sure i ace the pedfed promise when i finally get to the "promised land"

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
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