@Creditaddict wrote:
@Pupeitmeister wrote:And I will post first. I know i have a LOT of work to do to get this looking good. But by bearing my faults, I can and will grow stronger in my goals to be responsible with my CC usage!
As of January 1, 2014:
# Issuer Credit Current Available Credit APR Monthly Limit Balance Credit Utilized Interest Overall totals: $30,400 $12,316 $18,084 40.5% $110 1- Capital One $1,000 $966 $34 96.6% 22.90% $18 2- Walmart $1,200 $1,020 $180 85.0% 22.90% $19 3- Sams $4,900 $2,703 $2,197 55.2% 22.90% $52 4- Carecredit $3,000 $0 $3,000 0.00% 7- Dell $2,500 $1,700 $800 68.0% 0.00% 9- Chase Freedom $4,800 $4,753 $47 99.0% 0.00% 12- NFCU Signature Cash Rewards $5,000 $543 $4,457 10.9% 15.65% $7 13- NFCU Platinum Mastercard $5,000 $0 $5,000 16.99% $0 5- Lowes $3,000 $631 $2,369 21.0% 24.90% $13
1,2,3, and 5 why not move to your NFCU signature? With no bt fee and 15.65% still saves you nearly 10% apr
I tried to do that yesterday, but it didnt give me the option online, I have to call in. 
plus I am still setting up DD at NFCU.. within the month that will happen
OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
@Pupeitmeister wrote:
@Creditaddict wrote:
@Pupeitmeister wrote:And I will post first. I know i have a LOT of work to do to get this looking good. But by bearing my faults, I can and will grow stronger in my goals to be responsible with my CC usage!
As of January 1, 2014:
# Issuer Credit Current Available Credit APR Monthly Limit Balance Credit Utilized Interest Overall totals: $30,400 $12,316 $18,084 40.5% $110 1- Capital One $1,000 $966 $34 96.6% 22.90% $18 2- Walmart $1,200 $1,020 $180 85.0% 22.90% $19 3- Sams $4,900 $2,703 $2,197 55.2% 22.90% $52 4- Carecredit $3,000 $0 $3,000 0.00% 7- Dell $2,500 $1,700 $800 68.0% 0.00% 9- Chase Freedom $4,800 $4,753 $47 99.0% 0.00% 12- NFCU Signature Cash Rewards $5,000 $543 $4,457 10.9% 15.65% $7 13- NFCU Platinum Mastercard $5,000 $0 $5,000 16.99% $0 5- Lowes $3,000 $631 $2,369 21.0% 24.90% $13
1,2,3, and 5 why not move to your NFCU signature? With no bt fee and 15.65% still saves you nearly 10% apr
I tried to do that yesterday, but it didnt give me the option online, I have to call in.
If you click on the credit card and then on the next screen with transactions and such to the right a box with blue links is there and bt link.
dont need dd to start saving with bt
@Creditaddict wrote:
@Pupeitmeister wrote:
@Creditaddict wrote:
@Pupeitmeister wrote:And I will post first. I know i have a LOT of work to do to get this looking good. But by bearing my faults, I can and will grow stronger in my goals to be responsible with my CC usage!
As of January 1, 2014:
# Issuer Credit Current Available Credit APR Monthly Limit Balance Credit Utilized Interest Overall totals: $30,400 $12,316 $18,084 40.5% $110 1- Capital One $1,000 $966 $34 96.6% 22.90% $18 2- Walmart $1,200 $1,020 $180 85.0% 22.90% $19 3- Sams $4,900 $2,703 $2,197 55.2% 22.90% $52 4- Carecredit $3,000 $0 $3,000 0.00% 7- Dell $2,500 $1,700 $800 68.0% 0.00% 9- Chase Freedom $4,800 $4,753 $47 99.0% 0.00% 12- NFCU Signature Cash Rewards $5,000 $543 $4,457 10.9% 15.65% $7 13- NFCU Platinum Mastercard $5,000 $0 $5,000 16.99% $0 5- Lowes $3,000 $631 $2,369 21.0% 24.90% $13
1,2,3, and 5 why not move to your NFCU signature? With no bt fee and 15.65% still saves you nearly 10% apr
I tried to do that yesterday, but it didnt give me the option online, I have to call in.
If you click on the credit card and then on the next screen with transactions and such to the right a box with blue links is there and bt link.
dont need dd to start saving with bt
Just looked at it again, it only gives me the choice of BT to the NFCU Mastercard, I will need to call CS to put it on my cashrewards, unless i use the BT checks they sent me in the mail that i got yesterday. /shrug.. decisions decisions.. LOL
Great idea Pupeit. Best wishes to everyone participating in this challenge!
@longtime_lurker wrote:Amex: 800/2000 PIF by 1/17/14
Freedom: 400/2500 PIF by 2/15/14
Citi: 600/2500 PIF by 1/31/14
MSUFCU 100/5000 PIF by 1/3/14
I may have spent a lot more money than I had anticipted in Chicago. . .
Good luck to everybody!
We also get into situations where we spend too much, even when it is necessity. Thats awesome t hough, you plan to have everything PIF by 2/15/2014!.. GREAT Goal!
Capital One Journey: 0/1250
I'm going to TRY to get a CL and PC on this since it's my oldest active trade line. Actually, I've been told twice that I was eligible for an upgrade to the Quicksilver, but have also been told twice that the first agent I spoke to was full of kaka-dookie and I was not eligible for an upgrade. Or just mistaken. Same difference. Time to hit up the EO a second time, I guess.
Chase Freedom: 1900/2000
I paid this off just after Christmas, but I did a balance transfer to take advantage of my 0% period. Also, university text books are a goddamn money pit. Nothing hurts worse than dropping upwards of a grand for a bunch of "required" books that you hardly ever touch all semester, and can only sell back at a significant loss.
Discover: 1300/2500
This is my bill pay card, so I don't expect to ever have a zero balance on it. This number fluctuates wildly. Will be temporarily paid off next month.
Barclaycard NFL Extra Points: 800/1100
Emergency "holy crap I'm doing 55 on a snowy highway and my front brake pads left the vehicle three miles back!" spend.
It's funny how quickly towing, two sets of pads, a new rotor, and a pack of clean underwear can add up.
Will be paid off completely next month.
Barclaycard Financing (Apple): 1400/2200
Haha, funny story with this. When Barclays sent me a new NFL Extra Points card because of an "anomaly" they detected on my account, they did some fiddling on the backend. I have no idea what they changed, but I got a letter in the mail a few days ago saying that when they did... whatever, they inadvertedly changed the interest free promo on this card from 12 months to a full 24 months from the date of my original purchase. It went on to say that since it was their mistake, they were going to let me keep the extended promo period. Nice, eh. So now that I have an additional 14 months of no interest going here, I'm just going to pay a little bit more than the minimums per month as I tackle my other cards. Once the others are taken care of, I'll zero this one out ASAP.
Now of course, this is all assuming I don't land a higher paying job anytime soon.
Trust me, I've got my eyes open. Graduation is only one short year away.
@stralam
Great plan! 0% for 24 months? Awesome!
Best wishes on improvements in earning potential after graduation!
Great plan! 0% for 24 months? Awesome!
Best wishes on improvements in earning potential after graduation!
WOOT!! NFCU is doing 2.9% for 12 months on BT with mo fee!! I have to get the billing address off statements, but i will be taking full advantage of this. Will update once they post payment