@Anonymous wrote:
None of them are good.
Cap1- balance 17k, limit 20.5
Delta amx- balance 500, limit 2k
NASA- 11k, limit was 15k
Amx ED- balance 3k, limit 4 (BT and soon to have large payment)
Discover- 5.5, limit reduced to 6.1
Chase freedom- 900, limit is 1.5k
Barclay- 2, limit is 2.5 (also about to see a large payment)
Lowe's- 5.5, limit is 17k
Amazon- 2, limit is 6k
Boa- fluctuates btw 600 to 1200, limit is 2k
I've been focusing on paying down cap1, discover and nasa first but given how they've treated me, I'll probably focus elsewhere.
Definitely don't want to do a loan. I'll take my lumps but dammit, I really hate that I didn't get any warning or at least the chance to work with them to pay it off and then close it.
Ok, given the fact that a personal loan is off the table, all you can do is focus on paying your balances down as fast as you can. Now there are two things to take into consideration, interest and individual util. You want to pay as little interest as possible. So whatever, is not on 0% promo or very low apr, you want to try to get those paid off relatively fast. Also, keep in mind that Fico dings you for individual util of 10%/30%/50%/70%/90%. So, after Amex and Barclays receives their large payment, your next high util cards are Cap One(83%), Discover (90%) and Chase (60%). Discover has already cld once. So, I would definitely try to get that card down ASAP. I know sometimes it cannot be helped. But, it's really best to keep individual util under 49% even with a bt(for maximum Fico scoring 30%). I learned that the hard way with Barclays. 