Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Established Contributor
amercnchopz34
Posts: 823
Registered: ‎10-28-2011

Paying down cc....how should i approach them

Options

‎09-21-2012 03:58 PM

I have s acounts that im trying to pay down...

 

fairwinds 1600 bal.....0% till april.....goes to 14% after that

 

barclay 2700 bal ......0 % till december 2013.....goes to 22.74% after that....

 

just wondering what i should do to get my scores up to optimal levels for mini app spree come june 2013..

thanks

Amex Green (NPSL) , Amex Delta Gold ( 6500) Amex BCP (2000) Amazon store (5000) Capitol One (5000) Barclay NFL Bears (5000) Alliant MC (5000) Fairwinds CU Visa (2500) HHGregg (4000) Discover It (5000) Chase CSP (5000) Best Buy Store Card (4000) Citi Diamond (1200) Citi TY Preffered (2000)


BK 7 in 2005.....
Message 1 of 3 (178 Views)
 
Reply
Mega Contributor
Creditaddict
Posts: 11,042
Registered: ‎10-23-2007

Re: Paying down cc....how should i approach them

Options

‎09-21-2012 04:17 PM

amercnchopz34 wrote:

I have s acounts that im trying to pay down...

 

fairwinds 1600 bal.....0% till april.....goes to 14% after that

 

barclay 2700 bal ......0 % till december 2013.....goes to 22.74% after that....

 

just wondering what i should do to get my scores up to optimal levels for mini app spree come june 2013..

thanks

Are you able to have these to $0 before the 0% or what do you need to buy or do that you want a different game plan? 

Waiting is so Overrated! :smileytongue:
Message 2 of 3 (162 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,496
Registered: ‎04-09-2011

Re: Paying down cc....how should i approach them

Options

‎09-21-2012 04:41 PM

I think your main priority should be getting them paid off before the promo runs out. Obviously once the debt is payed you util will give you a nice score boost and the added history will as well.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 3 of 3 (148 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+